vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting these complaint regarding the unlawful debt collection practices by several lending institutions, including ( kohls capital, XXXX XXXX XXXX XXXX  ) These institutions have engaged in illegal activities related to fraudulent debt collection and repossession efforts. After thorough investigation and consultation, I have reason to believe that these actions are not isolated mistakes but rather part of a coordinated scheme that constitutes a violation of the XXXX XXXX and Corrupt Organizations Act ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an Amex gift card for XXXX worth {$100.00}. I've checked the status and balance- both are good ( I haven't spent anything ) tried to use it online through XXXX and it was declined. Attempted to use it at XXXX in store for {$12.00}, swiped and manually punched in the number twice still to no avail - their system couldn't even see the card. I tried adding to XXXX pay earlier today and again, declined. I don't see the point in this thing. I've attempted contact via Amex 's website and their XXXX on the back on the card ( the only contact info they give ) and there seems no one to talk to, all automated with just a FAQ section that is no help. This really shouldn't be this difficult to use especially for Amex. A very disappointing gift - I've already told the buyer of the card to never buy an Amex gift card again for anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

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 2025-01-01 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: KY

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated. 

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. 
Disputed Item Details : * Creditor/Furnisher Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Date of Reported Issue : [ XX/XX/year>XXXX  ] The following information is incorrect or incomplete for the following reasons 1- Date of last activity doesnt match 2- high balances are showing different 3- date reported doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. 
Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require any additional information. 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
This CFPB Complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681c-2 ) that you, XXXX, Equifax, and XXXX, block information on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of the following accounts, XXXX. XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX twice on Equifax ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXXEquifax XXXX XXXX XXXX I do not recognize the aforementioned accounts, inquiries, and collections on my credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, inquiries, and collections are the result of identity theft and fraud. I have attached a copy of my file FTC Identity theft report, Report # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned as proof and have also filed an identity theft report in my local jurisdiction. The breaches of my information confirmed by both Equifax as well as XXXX XXXX XXXX have allowed for my information to be stolen by someone who committed a financial XXXX  in Alabama, for which I was falsely XXXX  in Texas for. Once the mistaken identity was confirmed, I was released without any charges or pursuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Received phase XXXX guidance regarding the separation of our spousal joint consolidation loan. After XXXX  months, they will be starting to process the separations XX/XX/XXXX and told to watch for information in XXXX XXXX. XXXX told that they will not be prepared to calculate the XXXX  payment count until at least XX/XX/XXXX. So we are expected to sign promissory notes for new federal student loans without being provided the full loan terms. Are we absolutely guaranteed the XXXX  even if these new federal loans originate after XX/XX/XXXX and the new administration halts XXXX on any new loans? Are we going to be expected to start payments on these loans before the XXXX  payment count is updated? We are being told our initial XXXX  payment count will be XXXX. We have overpaid for XXXX  YEARS beyond the XXXX required payments due to XXXX loans being excluded from XXXX. We have been told there will be no refunds of the overpayment because the servicer was private, not federal ( again no choice to change that, just stuck in this failed program ). After XXXX  months, I demand clear terms for any federal loans I take out. XXXX promises dont cut it. If we take out XXXX new federal loans when our spousal loan is finally separated, and these promises dont come to fruition, we will be stuck with XXXX loan payments, no credit for much greater than the required XXXX payments for XXXX and now thousands of dollars deeper in debt because of the XXXX years that interest has been allowed to accrue while the DoE figured XXXX a way to implement the law. I dont know how this can be viewed any way other than consumer abuse. It should not be legal to withhold our right to separate loans under the XXXX for over XXXX  years, cause us to go deeper into debt, expect us to sign paperwork for loans BEFORE our payment counts have been adjusted and not provide any hard deadlines for anything on their end, only a deadline for us to have those promissory notes signed by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
My credit file shows several inquiries posted by Experian that I don't recall making. I requested to have these inquiries deleted via phone, but the rep refused to delete them. They are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries need to be removed.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I have two companies communicating with me about the same debts. I have Resurgent Capital and XXXX XXXX collecting the same debt purchased by LVNV Funding Solutions. This violates section 15 U.S.C. 1692e about debtor representation. Also, neither company has provided in writing the validation of debt. They have sent emails and texts stating that they each are collecting the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
My Name was apart of the data breach. By right I have the right to make sure I have accurate information on 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Name was apart of the data breach. By right I have the right to make sure I have accurate information on 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 2025-01-01 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: PNC Bank N.A.
State: IL

Complaint narrative:
I did not authorize any of the listed companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: IL

Complaint narrative:
I did not authorize any of the listed companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
I checked my credit report on date XX/XX/, and noticed my XXXX XXXX  account and my XXXX XXXX account indicated late payments for several months which was incorrect. I've tried to mail a letter directly to all 3 credit bureaus explaining this and was unsuccessful with getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report on date XX/XX/year>, and noticed my XXXX XXXX  account and my XXXX XXXX account indicated late payments for several months which was incorrect. I've tried to mail a letter directly to all 3 credit bureaus explaining this and was unsuccessful with getting this resolved.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I didn't give the original creditor permission to sell my account to any 3rd party agency. This 3rd party creditor continues to call me 3 or more times a day, early morning or late night. I answer the phone and either no one response or I get a automated system talking. This is annoying and rude. I have never received any documents in the mail on payments or terms from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have tried filing a dispute on a faulty product and returning it to the home depot store but the website is not allowing me to submit a dispute on the card. I Attempted dispute in XXXX of XXXX, over the purchase of a dryer and manufacture warranty not being honored. 

Interest payments on the credit card are also becoming extreme as i have paid over {$2000.00} in payments on the card but it has not affected the balance any when the promotion promised 12months no interest charges.

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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting inaccurate information which has aided in identity theft. I called and complained to Experian rep through the fraud department, items were removed but are continuing to emerge on my credit report which is interfering with accurate personal information.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a victim of the XXXX data breach and I reviewed a copy of my credit report and noticed a account that is the result of fraud and this data breach as I was and I still am incarcerated I was incarcerated when this account was opened and I'm currently still incarcerated please block this account immediately

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 2025-01-01 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: Source Receivables Management LLC
State: NC

Complaint narrative:
Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

I am complaining about the handling of my credit reports, and to bring to your attention the impermissible access of my credit report from Source Receivables Management, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what Source Receivables Management. This debt collection agency is reporting {$290.00} on my credit files, which is frivolous, and the debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Source Receivables Management in direct violations of the FCRA. I have discovered that Source Receivables Management fraudulent account. I need proof of a wet signature of an application w/ Source Receivables Management and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. Source Receivables Management has accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company response to consumer: Closed with explanation