vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Park Hill Holdings
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Eagelhardt v. gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist pursuant to 18 USC 8 I owe no debt this company is violating My consumer right to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my personal information pursuant to 15 USC 16814 Below is listed all third party consumer companies reporting my personal information without my consent I want the rental Judgement in the amount of {$2100.00} XXXX removed from all companies listed XXXX XXXXSafeRent Solutions -Corelogic XXXX XXXX XXXX -XXXX XXXX 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 explanation
Consumer complaint received 2023-10-05 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: OK

Complaint narrative:
I am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: MD

Complaint narrative:
I submitted a dispute to Equifax in regard to account # XXXX. Equifax responded to my dispute by saying that the account in question was verified. As a consumer, I have the right to request how that item was verified by requesting the credit bureaus XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter to Equifax requesting the method of verification. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request. Equifax failed to provide any documentation proving they did their due diligence. I received a letter on XX/XX/2023 only saying the debt was verified again. No information on the method of verification, and past the XXXX timeframe. It is my understanding that under FCRA Section 611 ( a ) ( 5 ) ( A ) if a consumer reporting agency is unable to verify the accuracy of a disputed item within the given timeframe, the agency is required to promptly delete the item from my credit report. I request this account to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Mon, XXXX XXXX, XXXX I received an email from Citi stating that if I open a checking account and fulfill certain criteria I will receive XXXX miles on my XXXX XXXX account. I already had an XXXX XXXX credit card with Citi and I decided to get a checking account too to get the bonus.

The criteria to get the bonus was this : ( you can see it in the attached email ) 1 ( OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXX ) SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3 ) MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities I completed all the requirements on XX/XX/XXXX and my miles are not there yet. I contacted support multiple times on the phone and chat ( see chatlogs attached ) and the miles are still not on my account. Customer reps confirm in this chat logs ( citi promo 2 screenshot ) that I met all the criteria but when they open a support ticket to review my account it gets denied.

I contacted support again today and they transcribed a letter that there is nowhere in my account telling me I have to send proof I was selected for a promo to a physical address in XXXX XXXX, Texas. I am tired of this game when their reps have recognized I have the promo, I met all the criteria and I received my promo on my personal email, which is linked to my Citi account. I have never had to chase a bank so hard to get a promotion posted to my account.

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 2023-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company Resurgent capital servicesXXXX LVNV Funding LLC is trying to Rip me off or Scam me with a debt that is not mine... 

I also requested the receipt of the bought of this account and they REFUSE and are hiding to show me this receipt .... Meanwhile XXXX Bank, Member FDIC send me a receipt that shows Resurgent capital services/ LVNV Funding LLC XXXX way less money for this account and are trying to rip me of or the owner person that owns this account with a higher amount... 

Also check the address on the statement they are providing to me person ( see Attachment ), I had never in my life lives in XXXX XXXX nor in XXXX XXXX ( NEBRASKA ).. They can not even provide a ZIP CODE .... 

BY NOW ITS SHOWS CLEARLY THEY HAVE MIX UP A DIFFERENT PERSON WITH MY NAME AND ARE NOT WILLING TO PROVIDE THE ACTUAL PROOF THATS SHOWS THAT INDEED THEY BOUGH AND THEY OWN THIS ACCOUNT... 

BTW WHERE IS THE SIGNED CONTRACT BETWEEN MY PERSON AND Resurgent capital services/ LVNV Funding LLC THAT SHOWS AND PROOF THAT I HAVE AGREED ANY BUSSINES WITH Resurgent capital services/ LVNV Funding LLC XXXX XXXX? 

BE AWARE PEOPLE THIS COMPANY UNDER THE NAME OF Resurgent capital services/ LVNV Funding LLC ARE SCAMMER THAT TRY TO RIP YOUR MONEY OF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Paypal learned about a scammer who defrauded me out of money for blantantly selling fake items from a XXXX account he hacked. 

Paypal did not resolve the conflict. Said money was transacted as " friends and family '' when I didn't choose that option. 

Even after receiving police report, Paypal still let the scammer keep the money even with stolen identity. 

Paypal is deceiving who it protects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX  Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex grossly neglects to manage the disputes properly. During my travels, a couple of hotels happened to be providing unacceptable conditions and lacking the advertised amenities, leading to my disputes. Amex consulted with the hotels which used fraudulent strategies ( or just lies ) to invalidate my claims, such as lying that I didn't complain to the front desk and give them the chance to fix it. Amex consistently closed my disputes in responses although I have brought these issues and claims to their attention and repeatedly reopened the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/2023 I tried to buy flight tickets in XXXX XXXX. In the process I asked Affirm to approve a short financing for about XXXX. Affirm approved my application by asking me to pay a down payment of {$510.00}. I accepted because I needed the tickets. Affirm withdrew the money from my bank account instantly but the transaction was never confirmed with XXXX. I didnt get the tickets but I didnt have the money to find another tickets provider because Affirm took the money first. I tried since that momento to recover the money but today, more than 3 months later, but Affirm is still lying and didnt take my complaints seriously. I am a victim of fraud and abuse of power by Affirm Financial Inc. The case number given by Affirm was XXXX. 

My bank XXXX tried to helped but Affirm didnt consider serious my bank complaint as well. 

I dont know how possible is to have companies in our country doing irregular and suspicious business activities taken XXXX XXXX as their victims, stealing money with no consequences. 

I need your help to recover the money that Affirm removed from my account without any loan or transaction approved. 

Affirm customer service is a joke and every time I call them they say different information. They were trying for more than 3 months to make me tired on this process and finally keep the money. That is unacceptable. 

I am a XXXX with a limited monthly income and I have a family who depend on me. Affirm created a chaos in my budget since last summer and they showed no respect on this. 

I believe that your intervention will persuade Affirm to return my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: CO

Complaint narrative:
I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is a continuation of CFPB complaint XXXX regarding XXXX account # XXXX. The attached response letter from XXXX XXXX, " Due to a manual error when updating your account, your account was incorrectly reported as past due. '' The attached letter from XXXX also states, " We would like to confirm that on XX/XX/2023, we submitted a correction to the credit bureaus to have your payment and account history updated. '' As of XXXX, two incorrectly reported 30-day late entries of XX/XX/2023 and XX/XX/2023 remain on my TransUnion credit report. I submitted an online dispute to TransUnion on XX/XX/2023 to have the incorrect entries removed and instantly received a result stating there were no inaccuracies found. I contend that TransUnion violated the FCRA by failing to properly investigate my dispute claims. If TransUnion reached out to the credit furnisher ( XXXX ) as required by law, it would have been apparent that the XX/XX/2023 and XX/XX/2023 XXXX lates were inaccurate information. I also contend that TransUnion violated the Fair Credit Reporting Act ( FCRA ), which states that XXXX must correct or remove incorrect information from my consumer credit report. My credit rating was adversely affected by TransUnion 's failure to correct inaccurate information, and I was denied credit as a result.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a payment in the amount of {$1100.00} to XXXX XXXX XXXX XXXX through online bill payment from my account at Capital One Bank. XXXX XXXX claims that they never received the payment. I am requesting that Capital One should reverse the payment and put the money back in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 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

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 2023-10-06 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction with the ongoing issue of late open accounts correction, which I have brought to your attention multiple times without a satisfactory resolution. It is with great frustration that I must escalate this matter in the hope of achieving a prompt and effective resolution. 

I have been a loyal customer of Credit Bureaus for a considerable period, and I have always appreciated the quality of services your company offers. However, my recent experiences have left me disappointed and concerned about the lack of attention to correcting the late open accounts associated with my account. 

I have made several formal requests through phone calls and emails to your customer service department over the past months ago, seeking assistance in rectifying these late open accounts. Despite my efforts and repeated assurances from your representatives that the issue would be resolved promptly, the problem persists. The late open accounts are not only causing significant inconvenience but also negatively impacting my credit history and financial stability. 

I believe in the importance of maintaining a healthy business relationship with Credit Bureaus, but this ongoing problem is testing my patience and trust in your organization. Therefore, I kindly request the following actions to be taken immediately to address this issue : I urge you to prioritize the correction of the late open accounts associated with my account. Please assign a dedicated representative who can work on this matter promptly and provide regular updates on the progress. 

I request full transparency regarding the steps being taken to resolve this issue. I would appreciate a detailed explanation of the root cause of the problem and the specific actions being taken to prevent its recurrence. 

Given the prolonged inconvenience and potential harm to my financial standing, I believe that appropriate compensation is warranted. I kindly request that you consider compensating me for the troubles I have endured. 
I expect better communication from your customer service team. Timely updates and responses to my inquiries are essential to rebuilding my trust in Credit Bureaus. 

I hope that this letter serves as a clear indication of the seriousness of this matter and my commitment to reaching a fair and satisfactory resolution. I believe that Credit Bureaushas the capacity to rectify this issue and restore our business relationship to its previous positive standing. I am asking for your assistance to correct the following late open accounts : XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Predatory closing. I had an original 80/20 loan in which the 20 % expired in 10 years in which I was tricked into signing. This caused multiple close calls for foreclosure and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: GA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX  - XXXX XXXX XXXX  Balance : {$800.00} ; XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX, I ( Original Creditor Name : XXXX  XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX  Balance : {$720.00}.

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