vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST LVNV XXXXResurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear CEO of LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX or XXXX I received a charge on my Discover credit card from XXXX for XXXX after being under the impression that my card was being charged for verification purposes after making a sell through XXXX platform. Unfortunately the person charging my account was posing as the XXXX platform and fraudulently charged my card without any return of funds or receiving any goods or services. Discover indicates the charge was valid even when sending proof that the account and charge was fraudulent. Have not received any correspondence with direct information of how the charge is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
SoFi offered a pay by date of XX/XX/year> through bill pay, but did not meet that date and debited my account for {$120.00} on XX/XX/year>. Payee, XXXX XXXX XXXX, did not receive payment until XX/XX/year>. I contacted SoFi for explanation of the issue, and the agent recommended using electronic pay. Unfortunately, electronic pay is not available with this payee. I am concerned that SoFi is not meeting dates that it offers for bill pay, that it is debiting funds prematurely, and not providing me with interest on those funds for a prolonged period of time. This forced me to call XXXX, Which agreed to wave late and interest fees, on a one time basis. I am very concerned that this issue will reoccur, and Sofi offered no alternatives or solutions. Complaint reference number with SoFi is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went on XXXX to obtain a copy of my Experian credit report and upon trying to get my report an error message came up stating a condition exists that prevents Experian from being able to accept your request at this time I have contacted Experian on numerous occasions. First theyve stated they would look into the matter and provided me a case number which was XXXX. They told me to submit a copy of my drivers license which I have done. Once I submitted my drivers license. Experian stated the problem would be resolved, however, it was not. Since then I contacted Experian and they stated there was nothing they could do and they tried to sell me their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXXPNC is reporting on my credit report the amount of {$2600.00} and late payments. I was not late on this account. And when I tried to contact there was nothing they would do to assist me on this. Please have this account and late payments removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$29000.00}, XXXX XXXX XXXX balance {$3800.00}, XXXX XXXX XXXX balance {$2500.00}, XXXX XXXX XXXX balance {$6200.00}, XXXX XXXX XXXX  balance {$6300.00}, XXXX XXXX XXXX balance {$5000.00}, XXXX XXXX XXXX  balance {$4200.00}, XXXX XXXX XXXX balance {$27000.00}, XXXX XXXX XXXX balance {$3600.00}, XXXX XXXX XXXX  balance {$3900.00}, XXXX XXXX XXXXXXXX balance {$5300.00}, XXXX XXXX XXXXXXXX balance {$3400.00}, XXXX XXXX XXXXXXXX balance {$3300.00}, XXXX XXXX XXXXXXXX balance {$1100.00}, XXXXDEPT OF ED balance {$26000.00}, XXXX/DEPT OF ED balance {$4100.00}, XXXX/DEPT OF ED balance {$28000.00}, XXXX/DEPT OF ED balance {$6100.00} , XXXX/DEPT OF ED balance {$1100.00}, XXXX/DEPT OF ED {$4900.00}, XXXX/DEPT OF ED balance {$3800.00}, XXXX/DEPT OF ED balance {$3900.00}, XXXX/DEPT OF ED balance {$5200.00}, XXXX/DEPT OF ED balance {$3400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$29000.00}, XXXX XXXX  XXXX balance {$3800.00}, XXXX  XXXX  XXXX balance {$2500.00}, XXXX  XXXX  XXXX balance {$6200.00}, XXXX  XXXX  XXXX balance {$6300.00}, XXXX XXXX  XXXX balance {$5000.00}, XXXX  XXXX  XXXX balance {$4200.00}, XXXX  XXXX  XXXX balance {$27000.00}, XXXX XXXX  XXXX balance {$3600.00}, XXXX  XXXX  XXXX balance {$3900.00}, XXXX  XXXX  XXXX balance {$5300.00}, XXXX  XXXX  XXXX balance {$3400.00}, XXXX  XXXX  XXXX balance {$3300.00}, XXXX  XXXX  XXXX balance {$1100.00}, XXXXDEPT OF ED balance {$26000.00}, XXXX/DEPT OF ED balance {$4100.00}, XXXX/DEPT OF ED balance {$28000.00}, XXXX/DEPT OF ED balance {$6100.00} , XXXX/DEPT OF ED balance {$1100.00}, XXXX/DEPT OF ED {$4900.00}, XXXX/DEPT OF ED balance {$3800.00}, XXXX/DEPT OF ED balance {$3900.00}, XXXX/DEPT OF ED balance {$5200.00}, XXXX/DEPT OF ED balance {$3400.00}.

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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding an unfair charge assessed by Chase Auto Finance related to my lease of a XXXX XXXX XXXX XXXX Sport and the negative impact this has had on my credit report. 

Details of the Issue : XXXX. Unfair Lease Charge : I returned my leased vehicle to the dealership on XX/XX/XXXX. At the time of return, no damage was noted, and no inspection report was provided.

A delayed inspection by Chase Auto occurred nearly a month later, at a location far from where the vehicle was returned. This inspection claimed a {$3000.00} charge for an alleged scratch on the display, which I dispute. 
2. Credit Reporting Issue : The disputed amount has been reported as delinquent to the credit reporting agencies, resulting in a significant drop in my credit score. Reporting a disputed balance as delinquent violates fair credit reporting practices and has caused undue harm.

3. Inspection Process Concerns : The delay in the inspection and its occurrence after the vehicle left my control raise serious questions about the validity of the damage claim.

The lease agreement does not clearly define excessive wear and use, and any alleged scratch on the display should reasonably fall under normal wear and tear for a commonly used component.

Steps Taken to Resolve the Issue : I submitted a dispute letter to Chase Auto on XX/XX/XXXX, requesting that the charge be waived and the erroneous credit reporting corrected. They never responded to my letter. 
I also filed a dispute with XXXX, which concluded without resolution as Chase Auto verified the information as accurate.

Supporting Information : The vehicle was returned in good condition and accepted without any reported issues by the dealership.

Chase Autos delayed and remote inspection raises concerns about the accuracy of their claim.

The reporting of the disputed charge as delinquent has caused unwarranted harm to my credit score.

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I received an alert from my XXXX app on my phone stating there was a new account reported. When I opened the XXXX app to check this, I saw it was a collections account for a company named National Credit Systems. When I went to look at details, I found the following information : Creditor : XXXX XXXX XXXX Account type : Collection Date opened : XX/XX/year> Balance : {$12000.00} I went to XXXX to search XXXX XXXX XXXX and got a number of results. With not knowing which result was the correct one, I then went to contact National Credit Systems to see if I was able to gain more information. Called National Credit Systems and was not able to get more information on the situation. I was told they had a form that I could fill out that could possibly help resolve this and I was sent an email containing a letter. The letter contained instructions on how to access the form needed on their website and also the link to their website. I am currently submitting National Credit Systems Identity Theft Victim 's Complaint and Affidavit form and will also be submitting documents listed within their website to hopefully resolve this. National Credit Systems was able to let me know the apartments were located in Florida. I was able to locate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone number provided on XXXX for the apartments ( XXXX ) XXXX. I have contacted this number numerous of times with no answer. I have left numerous voicemails with no call back yet. I have even submitted a request as if I wanted to possibly rent with the apartments to see if I could get a call back and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to contact Transunion and access my account so I could check my account information and place a freeze on my credit report. When I try to access my account it gives me an error that the site can not verify my identity and I must call, text, or chat with a live agent to verify my identity. No representative provides their employment ID or any details but requests that you click a weird link they text you from a random number, or when you call and speak to a live agent, you get someone in XXXX who wants your full name, phone number, address, and full social security number over an unsecured line just speaking it out loud. Then if you are dumb enough to do that, then they ask a lot of detailed personal questions to " verify '' your identity. This SCREAMS fraud and identity theft and the highest level just spilling all those details over unsecured lines and clicking random phishing links where you enter that information. This is so risky for anyone trying to access their information and the company should be ashamed of themselves. They are doing everything places warn you about not doing to protect yourself and they expect people to just do it and lose everything?

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 2024-11-20 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: DE

Complaint narrative:
I am filing this complaint to dispute an inaccurately reported charge-off account associated with ABSOLUTE RESOLUTIONS Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company is reporting false information. Notate of this false info as well as supplied FTC ID theft report. Company refuses to provide accurate verification instead of printed documents bearing my printed name.

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 2024-11-19 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: PA

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still 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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$10.00} XXXX XXXX XX/XX/XXXX {$470.00} Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries NAME : XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief