vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IL

Complaint narrative:
According to 15 US code 1666b timing of payments, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to insure each periodic statement including the information required by section1637 ( b ) on this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: SC

Complaint narrative:
I was never notified of this debt at all from Jefferson Capital. They are legally obligated to notice me of a debt before placing it on my credit report. It needs to be removed.

They are also not allowed to collect in the State of South Carolina. They have no collections license in SC. 

I am requesting them to Cease and Desist any collection efforts directed towards me physically and through reporting to my credit profile reports. I do not have a a contract with them. Nor do they have permissible purpose to report this collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX continues to furnish inaccurate XXXX loans past 7 years of XXXX day of delinquency. CFR 605 ( c ) 1. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and not authorized to be furnished on my Consumer Files. 

These accounts are being reported resulting in Fraudulent Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock XXXX  and before 9 oclock XXXX, local time at the consumers location.

Also, the address listed on the account is inaccurate.

XXXX XXXX XXXX  has never been my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I recently reviewed my credit report, and there are fraudulent accounts as well as inquiries that is hindering my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have an existing " installment loan '' from BMO which was transferred to BMO when the bought out Bank of the West.

I've contacted BMO in an attempt to receive statements on my loan that include the balance, interest rate, and interest charges. BMO does not, or will not provide an account statement either electronically or by mail. I am unaware when interest is charged to my account, verify the amount, or even review an amortization schedule for the loan. I have reached out to BMO through their website chat service and little or no information can be provided to me regarding my loan.

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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against Capital One for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Capital One closed five of my accounts ( ending in XXXX, XXXX, XXXX, XXXX, and XXXX ) on XX/XX/year>. The reasons given for closure were inconsistent and contradictory. Initially, Capital One claimed the accounts were closed due to " activity on this or another account not consistent with our expectations for account usage. '' However, in subsequent correspondence, Capital One attributed the closure to returned automatic payments. In their letter dated XX/XX/year>, Capital One stated that they " confirmed no errors were made in the handling of XXXX on your account. '' This contradicts their earlier claim and raises serious concerns about their practices. 

Furthermore, Capital One has continued to charge membership fees on these closed accounts, including a {$95.00} fee. This is a clear violation of consumer rights and adds to the financial harm I have suffered due to their actions. 

Capital One 's reporting of these closed accounts to credit reporting agencies has severely damaged my credit score and financial standing. I have disputed the accuracy of this information, but Capital One has refused to correct it, claiming the information is accurate. 

I believe Capital One 's actions constitute a clear violation of the FCRA, which requires creditors to report accurate information to credit reporting agencies. And for the creditor provide a clear explanation regarding the justification of their actions. On XX/XX/XXXX, XXXX, and other dates has perpetuated incorrect information, by providing differing reasons of their actions. Their contradictory explanations for closing my accounts and their continued charging of fees on closed accounts demonstrate a disregard for consumer rights and fair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
This company is attempting to collect a debt from my XXXX XXXX XXXXXXXX XXXX. The company was negligent in attempting to obtain my Nebraska XXXX information in a timely manner. My child had active XXXX at the time of visit. The admissions team should have searched his name in their database and found this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint hoping to get a resolution to the problem that I have experienced with Capital One. In XXXX and XXXX I had my identity stolen a woman named XXXX XXXX XXXX. I have documentation that she was charged with identity theft and numerous other charges while she was pretending to be me. Back in XXXX my oldest son dated a girl who was the daughter of XXXX XXXX XXXX all three of them had drug problems of course early on I did not know that next thing you know I was being questioned because there were checks that were written in my name as well as my savings account, as well as my younger sons savings account was drained. I had to have the New Jersey XXXX Police involved needless to say there were some fraudulent activity paying credit cards to Capital One through the deceitfulness of XXXX XXXX XXXX. She even took a position in a company used my name because she had an extensive criminal history. At the end of all of this I have applied for Capital One credit cards numerous times and I keep getting told the same thing no its not because of my credit score nor my credit report it is because they claimed the way I do business is not the way Capital One wants a customer to do business. Which means the fraudulent activity theyre looking at its mine and I did it and I should be held accountable for it well I have proof that it wasnt me. I would like to be contacted by Capital One so I can speak to somebody regarding this and explain it in more detail if they have more questions. I was told to file this complaint to see if we can get it rectified before any other steps are taken not because I wasnt given a credit card but because of the reason behind me not getting the credit card it was never me who did any of the things Capital One is stating I did. I have the complaints/charges that show the identity theft as well as it listing the people responsible. I will provide proof of all that I am stating in the complaint. Including the charges that were filed by the State for my identity being stolen and dates of incidents. This is very hard for me as it stirs up a lot of emotions but I have to because it needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have access checking account from Citi group ending in XXXX. I asked them to close that account 3 months back. But they didn't closed it and instead charged me overdraft fees to make it negative balance.

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 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
They've been calling me for almost a year now, and I've been responding. At first I talked to them extensively about the debt and what it was, and I went to the medical provider from which the debt originated and paid it there in full. But, right on time, a month later, this firm was calling me back. I explained to them that I already paid the debt. It shouldn't be legal that I should have to pay the same bill twice. Their calls have been getting increasingly aggressive, but I'm not sure that insulting me over the phone is exactly a CFPB resolution. Still, I'm recording it regardless. 

It's been so long that I don't have the receipts from the original medical provider anymore. I don't even remember which provider it was, anymore. This was a year ago and they are still calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and XXXX update a auto loan that has been paid off on XXXX from XXXX XXXX is not updated on XXXX and XXXX is hurting my credit report I have asked them to update their records no response past 90 days please update.

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 2024-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Consumer portfolio charge off my debit and sent late payments reports that are not accurate to my credit report XXXX and XXXX and XXXX that is affecting my ability to get credit. This account with consumer portfolio is charged off and I no longer have a debit with this company. It was illegal sold to a third party XXXX XXXX XXXX which I never had any debit with. Now I am having problems getting credit because of the negative reports sent to my credit report XXXX and XXXX and XXXX. I have asked to have these negative reports be removed immediately from my credit report especially late payments reports that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-30 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: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-30 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: TX

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

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 2024-06-30 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: CA

Complaint narrative:
I am writing to report and resolve several inaccuracies on my credit report, which have persisted despite my multiple attempts to address them with the relevant credit companies. Below are the details of each issue, including the steps I have taken to resolve them and the lack of resolution from the companies involved. 

Unauthorized Accounts : 1. XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$16000.00} Account Number : Starting with XXXX Action Taken : I contacted XXXX multiple times via phone and submitted written disputes regarding this unauthorized account. Despite my efforts, the account remains on my credit report. 
XXXX. XXXX XXXX  : Date Opened : XX/XX/XXXX Amount : {$860.00} Account Number : Starting with XXXX Action Taken : I reached out to XXXX XXXX through phone calls and letters to dispute this account, which I did not authorize. My disputes have not resulted in the removal of this account from my credit report. 

Unauthorized Inquiries : XXXX. XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXX customer service and submitted a dispute for this unauthorized inquiry. No action has been taken to remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Action Taken : I disputed this inquiry directly with XXXX and through the credit bureaus, but it remains on my report. 
XXXX. XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXXXXXX XXXX and the credit bureaus to dispute this unauthorized inquiry. It has not been removed. 
XXXX. XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX Action Taken : I reached out to XXXXXXXX XXXX  and filed disputes regarding this unauthorized inquiry. It still appears on my credit report. 

Inaccurate Late Payment : XXXX. XXXX XXXX XXXX : Late Payment Date : XX/XX/XXXX Action Taken : This account was paid on time, but the payment check was not received by the company. I provided proof of timely payment and contacted both XXXX XXXX and the credit bureaus to correct this error. Despite my efforts, the late payment notation remains on my report. 

Summary of Actions : I have contacted each company involved via phone and in writing multiple times. 
I have submitted disputes through the credit bureaus ( XXXX, XXXX, TransUnion ) for each issue. 
I have provided supporting documentation where applicable. 

Despite these actions, the unauthorized accounts, inquiries, and the inaccurate late payment remain unresolved on my credit report. I am seeking your assistance to facilitate the removal of these inaccuracies to ensure the accuracy of my credit 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 non-monetary relief
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
I am writing to report and resolve several inaccuracies on my credit report, which have persisted despite my multiple attempts to address them with the relevant credit companies. Below are the details of each issue, including the steps I have taken to resolve them and the lack of resolution from the companies involved. 

Unauthorized Accounts : 1. XXXX XXXX Loan : Date Opened : XX/XX/XXXX Amount : {$16000.00} Account Number : Starting with XXXX Action Taken : I contacted XXXX multiple times via phone and submitted written disputes regarding this unauthorized account. Despite my efforts, the account remains on my credit report. 
XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$860.00} Account Number : Starting with XXXX Action Taken : I reached out to XXXX XXXX through phone calls and letters to dispute this account, which I did not authorize. My disputes have not resulted in the removal of this account from my credit report. 

Unauthorized Inquiries : XXXX. XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXX customer service and submitted a dispute for this unauthorized inquiry. No action has been taken to remove it from my credit report. 
XXXXXXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX Action Taken : I disputed this inquiry directly with XXXX and through the credit bureaus, but it remains on my report. 
XXXX. XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXXXXXX XXXX and the credit bureaus to dispute this unauthorized inquiry. It has not been removed. 
XXXX. XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX Action Taken : I reached out to XXXXXXXX XXXX and filed disputes regarding this unauthorized inquiry. It still appears on my credit report. 

Inaccurate Late Payment : XXXX. XXXX XXXX XXXX : Late Payment Date : XX/XX/XXXX Action Taken : This account was paid on time, but the payment check was not received by the company. I provided proof of timely payment and contacted both XXXX XXXX and the credit bureaus to correct this error. Despite my efforts, the late payment notation remains on my report. 

Summary of Actions : I have contacted each company involved via phone and in writing multiple times. 
I have submitted disputes through the credit bureaus ( XXXX, Equifax, XXXX ) for each issue. 
I have provided supporting documentation where applicable. 

Despite these actions, the unauthorized accounts, inquiries, and the inaccurate late payment remain unresolved on my credit report. I am seeking your assistance to facilitate the removal of these inaccuracies to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief