vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/year> I was made aware that Kohls credit card that I had was switching to Captial one bank. When notified of this I immediately, called kohls and had my account closed my account down. 
They then sent me a letter, which takes ten business days or so, which the letter is dated XX/XX/year> that my account has been closed. 
The reason I closed this account, is because I do not do business with capital one due to, not being able to resolve issues and also, charging for annual fee 's, to customers with wonderful credit scores. Years ago I closed all my accounts with them and never did any business with them again. 
I started receiving, emails from them, one after another, telling me they would be taking over my account, which I no longer had with kohls. So, I contacted capital one and advised them account was closed, and I had this letter with proof I longer had an account. They did not want a copy, no one could understand what I wanted, they could not give me a corp. phone number. Same issue of why I left them before. 
Now XXXXXXXX XXXX XXXX, Capital one took it upon themselves to send out a credit card to me, for an account that I longer had open. I am not activating this account, nor do I know who to communicate with anymore, because if you call them, they want card number and informaton, for a card that I was not supose to have in the first place. 
I am asking for your assistance, this company should never have shipped a closed account credit card to me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against all three major credit reporting agenciesXXXX XXXX, and TransUnionregarding their failure to accurately report multiple accounts. I have formally disputed the following accounts, but they continue to reflect inaccurate and damaging information on my credit report : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 

XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit. 

XXXX XXXX XXXX ( Account Number : XXXX ) Reported collection account with inaccuracies in the date of the last payment and balance. 

XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

These reporting errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy. The inaccuracies on my credit report have caused significant financial harm, hindering my ability to obtain necessary housing and transportation for my family. Additionally, the negative reporting has contributed to mental health issues such as anxiety and XXXX. 


I seek the assistance of the CFPB to ensure that these credit reporting agencies comply with the FCRA and correct these inaccuracies promptly.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing a complaint against all three major credit reporting agenciesXXXX, Equifax, and XXXXregarding their failure to accurately report multiple accounts. I have formally disputed the following accounts, but they continue to reflect inaccurate and damaging information on my credit report : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 

XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit. 

XXXX XXXX XXXX ( Account Number : XXXX ) Reported collection account with inaccuracies in the date of the last payment and balance. 

XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

These reporting errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy. The inaccuracies on my credit report have caused significant financial harm, hindering my ability to obtain necessary housing and transportation for my family. Additionally, the negative reporting has contributed to mental health issues such as anxiety and XXXX. 


I seek the assistance of the CFPB to ensure that these credit reporting agencies comply with the FCRA and correct these inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
I wish to contest the inaccurate items listed on my credit report. I have reached out to Equifax, XXXX, and XXXX with letters regarding my disputes, but they have not responded. : XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/year> {$0.00} U.S. Bankruptcy Court {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy CourtXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
I wish to contest the inaccurate items listed on my credit report. I have reached out to XXXX, Experian, and XXXX with letters regarding my disputes, but they have not responded. : XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/year> {$0.00} U.S. Bankruptcy Court {$0.00} {$0.00} XXXX XXXX Experian XXXX XXXX XXXX {$0.00} US BKPT CT XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} U.S. Bankruptcy Court. 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 2024-09-07 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: IA

Complaint narrative:
I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This by this action being taking each month it affects my credit score, credit report, and credit worthiness.

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 2024-09-07 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: IA

Complaint narrative:
I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
This by this action being taking each month it affects my credit score, credit report, and credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: IA

Complaint narrative:
I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This by this action being taking each month it affects my credit score, credit report, and credit worthiness.

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 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
NOTICE FOR REQUEST OF INFORMATION AND DELETION & NOTICE TO CEASE AND DESIST INTENT TO SUE PLAINTIFF : XXXX XXXX XXXX DEFENDANT : JEFFERSON CAPITAL SYSTEMS # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX RE : ALLEGED ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$550.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX JEFFERSON CAPITAL SYSTEMS STOP XXXX THE FDCPA XXXX XXXX EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY, XXXX XXXX XXXX XXXX WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I received a non-itemized bill in the mail from XXXX XXXX XXXX for over {$2000.00}. I immediately wrote a letter directly to XXXX XXXX XXXX at their headquarters in Louisiana disputing the bill and asking for clarification on what service they supposedly provided. I never heard back from them. 

In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX seeking payment of {$2000.00} on behalf of XXXX XXXX XXXX. Again, I immediately wrote a letter to XXXX XXXX XXXX XXXX disputing the bill, asking for clarification on what the bill could be about and included the original letter I sent to XXXX XXXX XXXX. I never heard from XXXX XXXX again. 

About seven weeks ago, XXXX XXXX notified me that someone had placed a collection on my account. The collection came from Amsher Collection Services and was on behalf of XXXX XXXX XXXX. Amsher Collection Services never contacted me prior to them placing this collection on my account. Upon finding out about the collection on my account, I sent a certified letter to Amsher Collection Services disputing the claim again and demanding they take the collection off of my account since they hadn't followed the guidelines set out by Consumer Financial Protection Burearu. Amsher signed for this certified dispute letter on XX/XX/XXXX. I have yet to hear anything from them. 

So I am filing this dispute with your agency in hopes of ending this matter. Amsher Collection Services and XXXX XXXX XXXX have both failed to follow XXXX  guidelines for debt collection and have failed to even establish what service they think they performed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
I am writing to this company the 8th time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE.

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 2024-09-07 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: OH

Complaint narrative:
This debt was paid in full to the original debt holder. 

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. XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder. 15 U.S.C. 16815-2 ( 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. 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 fumish a account without my written instructions

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