vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an account with Capital One Account # XXXX which is showing late pays in XX/XX/year>, XXXX XXXX and XX/XX/year>. I have made payments every month. My interest rate was reduced and I made payments based on that but for some reason it looks like capital one didn't make the adjustments accordingly. I am requesting the original contract along with any all all written and verbal communication within the past 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Collection Account on Credit Report XXXX XXXX Dear LVNV Funding LLC, I am writing to formally dispute a collection account listed on my credit report associated with XXXX XXXX. This account is inaccurate and results from numerous violations of my consumer rights as protected by federal law. 

**Grounds for Dispute** * **Lack of Validation : ** Despite requesting validation of the alleged debt, you have not provided any information whatsoever, as required under 12 CFR ( b ) ( 5 ).

* **No Opportunity to Dispute : ** Section 12 CFR 1006.34 ( c ) ( 4 ) ( i ) guarantees me the right to dispute an account. You have not granted me this opportunity. 
* **Misrepresentation and Deceptive Practices : ** The collection agency is engaging in false, misleading, and deceptive practices that violate my consumer rights.

* **Unauthorized Reporting : ** According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), a collection agency must provide legally required disclosures before furnishing information to a consumer reporting agency. You have failed to comply.

**Actions and Requests** 1. **Debt Validation : ** Please provide complete debt validation, including proof of the alleged debt and the purchase agreement between your agency and the original creditor.

2. **License and Bond : ** Please furnish proof that your collection agency is duly licensed and bonded as required by law.

3. **Cease Communication : ** I am revoking all rights for your agency to communicate with me via text, email, or phone calls. All future communication must be conducted in writing.

I further dispute any and all debts allegedly owed to your agency.

**Consequences of Non-Compliance** Please be advised that failure to provide the requested information and rectify these violations will necessitate further action, including the potential filing of complaints with relevant regulatory agencies and the pursuit of legal remedies. 

I expect a prompt and thorough response to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IA

Complaint narrative:
i am filing this complaint against both Jefferson capital System and XXXX XXXX XXXX XXXX. it appears that JCS has went into my Transunion consumer file w/o written permission 15 u.s.c 1681 b and logged that i owe them as a collection {$730.00} ( via a XXXX  account ) of which JCS has never contacted me in regard to this false debt claim, not by letter, telephone, email, or any other form of communication. in direct violation of 15 u.s.c sec. 1692 g, f b and a. again there has been no communication whatsoever regarding this debt claim, immetiately dropping my score 49 points.i do not have nor have i ever had a contract with JCS. i personally this is done in retailation to a court action that i was successful against them last year. they know my address, my phone number, my email and yet no contact what sover regarding this new filing placed on my consumer report. this denying myself the opurtunity to have them validate this collection claim. yet another violation of 15 u.s.c this is also a cease and desist demand to JCS who has knowingly and willingly violate numerous rights under 15 u.s.c not to mention transunions vefication method is flawed or JCS flat out lied to them either way my credit dropped XXXX  points with no notice or aportunity to challenge this XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I work for a XXXX XXXX, and we had a Refinance closing at the end of XXXX. On XXXX XXXX the file was funded and a Wire in the amount of {$170000.00} was sent to Select Portfolio Servicing to payoff the borrowers current mortgage. A payoff statement was obtained and showed that amount to pay the loan in full, good through XX/XX/24. 
XXXX, XX/XX/24 i was informed by the homeowner that the loan had NOT been paid at all and that Select Portfolio had not applied the funds to their loan. 
I contacted them first thing this XXXX  and was advised that my Wire sent on XX/XX/24 was NOT processed by them until XX/XX/24 and that the payoff was now short ( there was a tax disbursement ) by over {$2700.00} and that I needed to send the tax amount from my file which was {$1900.00} and now the homeowners need to send more funds to pay it in full as they have charged daily interest since! 
This is NOT the first time this has happened with this lender. They routinely HOLD payoff wires for up to XXXX business days for " clearing ''. This should not be allowed as these are certified payoff funds sent via XXXX  XXXX! The homeowners are being charged additional interest for days and days at a time when they shouldn't be!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
Please remove this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
ARstrat LLC, has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and Ariz. Rev. Stat 13-2008 ( A ). ARstrat LLC, is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Credit Control , LLC Regarding XXXX  XXXX XXXX XXXX : Account was paid in full on XX/XX/24 to Credit Control , LLC and we have received a letter from the agency indicating it has been paid in full. 

XXXX XXXX XXXX  will not issue a letter indicating the account is paid in full, stating they have not received the information indicating it has been paid. 

XXXX XXXX  XXXX has stated that their records indicate we have paid the amount due and to whom but still won't issue letter of paid, stating that it has not been cleared thru legal and they have to wait 28 days. 

I have spoken to XXXX different people, and they all tell me something different. This situation is affecting the underwriting on a new home loan and I need assistance with XXXX XXXX XXXX  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 2024-02-20 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: FL

Complaint narrative:
Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX XXXX, Equifax is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TX

Complaint narrative:
Please see attached documafents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-02-20 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:
Please see attached documafents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-02-20 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:
I sent a letter on XX/XX/XXXX asking all 3 data collectors Experian, XXXX, and XXXX advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.

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 2024-02-20 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: SC

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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:
Under 605B, this account must be taken off ASAP. I'm frustrated that it's showing up on my credit record, even though it's not my account. I strongly request the company to remove it swiftly.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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.

Complaint narrative:
I made a reservation for parking my vehicle near airport for vacation through my desktop computer on XXXX I cancelled the reservation later the same day all in accordance with the merchant 's deadlines to do so and was refunded XXXX XXXX  when the purchase was for XXXX usd. Per their website they are only allowed to refund XXXX  if one is using their app, furthermore they only gave less than 50 % refund. 

I disputed the charge with Citi Mastercard. The merchant replied, upon initiating the reply, the merchant revoked all XXXX  they rendered meaning I received no refund whatsoever now as opposed to a less then 50 % refund of virtual money. I submitted evidence which proves I acted within the merchant 's own refund policy, as seen in attachments, that they are not entitled to refund me XXXX, furthermore that the XXXX  were revoked, then all evidence of the transactions and the XXXX  was deleted by XXXX to cover up their malicious acts. This proves the merchant defrauded me. 

Citi closed the dispute in favour of the merchant claiming I did not follow their return policy even though the emails submitted into evidence are proof beyond a reasonable doubt that they were given the very evidence they purport to be absent to accept such a claim. No merchant who intentionally defrauds someone is going to give " valid credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge ''. It is the duty of Citi to protect consumers against such fraud otherwise it enables all merchants to do this to any consumer they wish to exploit, creating a positive feedback loop which encourages the illegal conduct. 

Citi 's policy in the end is to accept the merchant 's claim no matter what, threaten to destroy my perfect credit score to get me to pay fraudulent charges, and clearly XXXX is aware of such and games the system to exploit consumers in a manner which allows them to never refund anyone ever if they so choose. The dispute process is therefore a formality for show which offers no recourse for victims at all.

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 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc.
State: UT

Complaint narrative:
This is the final warning before proceeding to legal action. Your ( Collection Professionals ' ) possession of my diagnostics and procedural data constitutes a breach and violation of XXXX laws. If this account if not removed immediately, private civil litigation will be pursued against you to recover damages. The document you provided as validation of said debt contains my private health information which have been highlighted. 

The term 'breach of security ' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.

Please also be advised that this is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to press charges and or complaints with the XXXX on your XXXX violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that XXXX be time- barred as well as in violation of Wyoming XXXX WY ) medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

I have attached the evidence of your possession of my private health information below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
I have repeatedly requested negative/incorrect information from XXXX XXXX from my credit report with XXXX and Equifax. on XX/XX/2023, XX/XX/2023, XX/XX/2023. Via dispute letter along with my XXXX XXXX Police report, and my Federal Trade Commission 's Identity Theft report. I have been told that THEY ARE NOT removing the item from my report because they " XXXX '' does not remove items from My report. I spoke to an agent who gave me their name as XXXX XXXX. This item has been reported on my credit profile for 7 years, in which i requested it to be removed in accordance with FCRA. This account has been sold to XXXX XXXX XXXX XXXX and is incorrect. However also the account shows late payments reflecting the dates of XXXX XXXX, when the federal government forgave consumers for late payments on credit profiles due to covid, and consumers not being allowed to work. I have tried rigorously to work with the credit bureau and have not received respect nor help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief