vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Re : Cease and Desist Communication Request under 15 USC 1692c ( c ) Dear XXXX XXXX XXXX, I am writing to formally request that all communication from your agency regarding the debt associated with reference number XXXX cease immediately. Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), I am exercising my right to request a halt in communication until I have received validation of the debt in question.

please provide me showing that I gave written consent in blue ink in my hand to the be contacted by this company.

I recently received communication from your agency dated XX/XX/year> regarding an alleged debt. Before any further communication takes place, I assert my right to request validation of this debt as per the provisions of the Fair Debt Collection Practices Act.

I am hereby requesting that you provide the necessary documentation and evidence validating the debt. Until such time that the debt has been validated per my request, I insist that all communication efforts, including but not limited to calls and letters, cease immediately.

Please acknowledge receipt of this dispute letter and confirm that all communication attempts will cease until the debt has been validated. Your prompt cooperation in this matter is appreciated.

Thank you for your attention to this request. I expect compliance with the Fair Debt Collection Practices Act and the cessation of communication until the debt validation process is completed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: VA

Complaint narrative:
I XXXX XXXX received a copy of my report, I have recently disputed XXXX XXXX XXXX through CFPB Acc number XXXX. XXXX deleted the inaccurate information on my report. XXXX  and Equifax is still reporting this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: PA

Complaint narrative:
In XX/XX/2023 my student loans were transferred from XXXX to XXXX. My current balance with XXXX is {$0.00} due to the transfer. Right now my student loans are showing twice on my credit report. One account for XXXX and one for XXXX. This is incorrect and should only be showing the XXXX account. 

When I spoke with XXXX requesting that my account be closed because I now have a {$0.00} balance with them I was told no. I then disputed this account with Experian, but it was not resolved. This is causing my credit report to show {$100000.00} in loans instead of {$50000.00}.

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 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have 2 opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.

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 2024-04-07 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have 2 opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have 2 opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.

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 2024-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AmOne Corp.
State: NY

Complaint narrative:
I was put into contact with AmOne regarding a possible loan through lending tree. However, once put in touch with AmOne and XXXX the customer representative, he instead, said that he would transfer me to another company that AmOne worked with that could help me and save me money on my credit card bills. He would not tell me the company before I was transferred. I was then transferred to XXXX at XXXX. XXXX, that instead of explaining what his company did, that was debt consolidation, he instead went through my bills and then stated how they could negotiate with my credit card companies. I was very confused and started to ask questions. XXXX became irritated with me because I was not ready and uncomfortable with his sales pitch since I was not given explanations of what debt consolidation entailed and the costs upfront but felt pressured immediately. XXXX hung up on me instead of transferring me back to XXXX at AmOne. I called XXXX back twice with an voicemail message about the interaction. XXXX emailed me about it and I emailed him back. That was the end of my interactions with him. No apology or explanations. They need to be upfront with their business practices. It's ok if I am not qualified for loans but tell me up front what they are offering. The whole ordeal was upsetting and unprofessional.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: MS

Complaint narrative:
I have disputed fraudulent inquiries and accounts with Equifax XXXX  times on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX they have not removed the fraudulent entries nor have they provided me with verifying information they have refused to investigate the information. 
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 and an accoout from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: MS

Complaint narrative:
I have disputed fraudulent inquiries and accounts with Equifax XXXX times on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX they have not removed the fraudulent entries nor have they provided me with verifying information they have refused to investigate the information. 
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 and an accoout from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX email : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Destination : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date XXXX XX/XX/XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : JPMCB CARD SERVICES XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
There are 2 incorrect pieces of information on my XXXX Credit Report- 1 ) I financed a car from Hyundai Capital America XXXX XXXX for {$18000.00} and have consistently made multiple payments in XXXX, XXXX, XXXX, and XXXX XXXX. My current due balance stands at {$3400.00} as of filing this complaint. However, the company has not reported any of my payments to any of the credit bureaus and my reports are still showing the same amount due i.e. {$18000.00} as of filing this complaint. This has significantly impacted my credit score and caused me difficulties in obtaining a home loan. 
2 ) There are 2 different inquiries on the name of Hyundai Capital America as of XXXX which seems odd. I have already reached out to XXXX XXXX, the dealership where I purchased the car, however, they have no clue about 2 different inquiries made by one company on the same day. Kindly remove one.

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This concerns my CapitalOne credit card and account, of which I have had for approximately 25-30 years. For most of these years, my credit line was {$10000.00}. In the early years of this account, I used this account for my personal needs and also for a small business that I had in my home. This card had a lower borrowing limit on it, but I remember CapitalOne contacting me at various times and encouraging me to increase that amount, of which I did. I am XXXX yrs. old now and have been retired for at least 10 years, but I still have the card. It's always had the borrowing limit at {$10000.00}. On my last statement, XXXX. XXXX, I noticed the the amount was lowered to {$2000.00}. I had no notification that this was going to happen, so I was shocked when I saw it. Yesterday I spent a good amount of time talking on the phone with three different Cap.One agents, all a bit higher in position than the one before. None of them were able to give me an answer. Later in the day I received this email from them : Information about your account ending in XXXX Creditor : Capital One N.A. Dear XXXX XXXX XXXX, You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : There has recently been a credit line decrease This Capital One account was recently past due A credit limit increase on your account is not currently available upon request There has recently been a change to the credit line on this account In case you need a little more clarity, we've included some additional information on a separate page. You'll see FAQs, common reasons that requests for credit line increases are declined, and useful suggestions on what you can do next. We hope you find this information helpful. If you have other questions, go to https : //www.capitalone.com/credit-cards/credit-line-increase/. Sincerely, Capital One XXXX XXXX Team Please see reverse side for important information and disclosures. XXXX Capital One. Capital One is a federally registered service mark. XXXX : XXXX : XXXX : XXXX : XXXX XXXX -- -- -- -- XXXXThey said in this letter that I was applying for an increase, I was NOT. I was trying to find out why my borrowing amount was lowered. Just to mention, as with most with, people there were a few occasions during all of those years when I was a few days late with a payment, but it was always taken care of in a timely fashion. I hope this letter isn't too confusing. I just want my old credit line of {$10000.00} back for several reasons. Thankyou for your assistance. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I received a notification by USPS that Phoenix Financial acquired my account from XXXX XXXX XXXX, requesting payment of {$1200.00}. Unknown why since I have an active automatic payment plan with XXXX. On XX/XX/24 I went on XXXX website, set up a payment plan of {$24.00} per week ( the most spread out option avail ) via my XXXX XXXX. I am a XXXX XXXX XXXX  and am anticipating Spring Break & Summer recess, of which I do not work or receive an hourly salary, I will be collecting Unemployment, and can not afford the current arrangement. I went on Phoenix website to change my pay plan, theres no option. Nor is there an option to stop the same. On XX/XX/XXXX I called Phoenix & spoke to three different people ( XXXX, unk woman, XXXX XXXX. No one was able to change, delete, amend, access or anything to my account. XXXX disconnected me after 15 minutes, as well as # 2 lady after 3 mins, XXXX tried to help & after 15 mins tried to get a supervisor to no avail. # 4 person Supervisor XXXX did call me back & she also couldnt do ANYTHING. She said if the pay plan was done over the phone by them she would be able, but if its done via their online web then theres no way to change it! As her last resort effort she instructed me to change the credit card, and see if it gave me the option for a different pay plan. It didnt. She then said email them to cancel my payment plan so that I could start over, which I immediately did. That was at XXXX XXXX ; she was to call me back at XXXX but never did. Nothing has been changed or corrected AND this morning I received an email stating my next withdraw is pending. I feel this is deceptive practice and should be illegal for them to be financially entrapping me. I want it to stop so I can USPS a monthly check payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
Companies are running my credit and leaving a lot of hard inquiries I did not authorize which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Companies are running my credit and leaving a lot of hard inquiries I did not authorize which is fraud.

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 2024-04-07 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: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of XXXX, I was victim to a phone-spoofing scam that resulted in me losing a substantial amount of money ; I submitted a complaint with CitiBank 's fraud investigation system and the government, after which the funds were seemingly recovered and returned to that checking account. However, I have since been frozen out of the count and have never been able to access the funds myself ; I believe they are still being frozen under the pretense of investigation.

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 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I XXXX XXXX got a copy of my credit report and recently disputed alleged debt with the collection through CFPB, the company failed to provide a CERTIFIED mail receipt with my signature showing if I got notify of the debt, failed to enclose on how much the debt collector paid for the debt, failed to enclose if they are registered to collect debt in the state, collection is not on any of. the addresses that are attached to my credit report that is also attached below with NMLS of registered states to collect on debt. Results as well.

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 2024-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Recently, I was home shopping and when I reviewed my credit report, I noticed that a company has furnished my credit report with false allegations. Caine and Weiner Company Inc is requesting collection of a debt I have never had any transaction history or knowledge with before. According to 15 USC 1962 validation of debt and 15 USC 1681, I must be provided with the original copy of this alleged debt. However, I have not been provided with this information even after sending multiple letters asking for the debt to be verified. Therefore, this information must be deleted off my credit report or I will be seeking up to XXXX in damages for defamation, negligent enablement of identity fraud and violation of the fair credit reporting act and fair debt collection practices act.

Company response to consumer: Closed with explanation