vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a debt that was purchased by XXXX XXXX XXXX.. I called them as I am going to be XXXX and have multiple health issues. They said they couldnt help me and said try the Capital one people who they are representing in a new collection. I sent ahead and called the capital one company. They pulled me up by ss i think. I didnt have my account number. 
I got one of their reps and talked to him and he said they bought the debt. But then he said I had two other accounts one which was written off in XXXX. I filed a bk in XX/XX/XXXX and was discharged in XX/XX/XXXX. I made payments for 5 years. hen I got a rep he said I had a write off by their company in 1999. I said I couldnt have. I asked him what they would do with that. He said something like send to an attorney or sell it off. I was very upset. It was Wed. or Thursday of last week. i have another account with them that I am sure they will sell off or send to collection. If worse comes to worse I will have to file another BK. I can not walk hardly at all. I have 2 XXXX  coming up. a XXXX XXXX test, and have had transfusions in the last 6 months. One person said go a desk job. I am XXXX and I cant walk. It seems that they may think they can take action against me for debt 20 years old. I hope you can help. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX XX/XX/year> Dear XXXX  XXXX, I am writing to address a discrepancy I have observed in my credit report regarding the following account : XXXX  XXXX Account Number : XXXX Reason : Under 15 USC 1681c-1. Identity theft prevention ; fraud alerts and active-duty alerts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX  XXXX Account Number : XXXX Reason : Under 15 USC 1681c-1 . Identity theft prevention ; fraud alerts and active-duty alerts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please be informed that this correspondence does not serve as a refusal to pay ; however, it is imperative that I bring to your attention my dispute regarding the aforementioned claim. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request validation from third-party collection agencies. Non-compliance with the FDCPA regulations may result in adverse consequences for your company with the Federal Trade Commission ( FTC ). Hence, I kindly request that your company furnish me with the following documentation for validation purposes : 1. Documentation demonstrating ownership or assignment of the debt from the original creditor.

2. Verification of your authority to pursue collection activities in my state.

3. Proof of your company 's bonding.

4. Documentation detailing the assessment of the outstanding debt.

5. Payment history records from the original creditor.

6. Contact information for the original creditor.

7. A copy of the original contract bearing my signature.

8. Documentation outlining the chain of ownership pertaining to this debt.

9. Verification of your legal authority to collect this debt.

10. Confirmation of ownership or assignment status of this debt.

11. Copies of all correspondence, including letters, exchanged between your company and myself, as well as with the original creditor, regarding this debt.

12. Disclosure of the purchase price of the debt.

13. Information regarding the date of the last payment made on this debt.

14. Breakdown of any fees/interest accrued on the debt.

15. Explanation of the methodology employed to determine said fees. 


I appreciate your prompt attention to this matter and your cooperation in providing the requested documentation. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal reports.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX  {$89.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
XXXX XXXX I recently obtained a copy of my credit report and you are currently reporting the debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX  # XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until the debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
I have yet get any response from them.More over this account has been reported with unknown address that I never leaved at and don't know anyone from there.

HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 
There for this account needs to be deleted immediately from my credit report ( XXXX XXXX XXXX  # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
The company is : PayPal I contacted them several times to credit me my purchase that is remain to me. Like I made a purchase at XXXX XXXX to purchase gas. Their staples and card machine was not working. I did use my debit card but it declined the transaction outside. So I had no choice but to go inside. I need my money right away because I have to go to work. They said I had to wait seven days for the hold of {$18.00}. I did go inside to preauthorize PayPal to go through {$45.00}. I only used {$26.00} so {$18.00} is owed to me from PayPal. Several CSR 's said that I had to send them a letterhead or statement from the merchant. I insisted them I made a gas purchase and they caused me to be under emotional distress and not fair justice handling my money. I feel I should not have to wait seven days for any transaction to be credited back to me. Also, when I made the purchase inside with my debit card I used my pin which was posted the same day. They need to be corrected and fine for not handling my checking account in a timely manner. Please correct this issue because I do not need this to happen moving forward. It's my money not theirs and how dare they take their time to process my money. It can be a possibility I may lose my job because I do not have enough gas to get to work. How dare PayPal do this to me. Again it's not their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-11-10 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for continued reporting of inaccurate information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). Despite providing supporting documentation to demonstrate the correct address and name, Equifax has failed to correct these inaccuracies, unlike the other two major credit bureaus, XXXX and XXXX, which have removed the incorrect address from my records.The inaccurate information reported by Equifax includes an incorrect " current address '' that has been listed since XXXX, which does not match my actual, valid address. My true, accurate address is listed by Equifax as the " former address, '' but it is shown as being associated with me only since XX/XX/XXXX. This is clearly contradictory, as my accurate address should have been reported much earlier. The fact that my correct address is listed as a " former address '' starting in XXXX, while the incorrect address is listed as current since XXXX, is clear evidence of the inaccuracy. 
I provided Equifax with a copy of my state-issued ID and a recent bank statement that clearly show my accurate address and legal name. However, despite this, Equifax has not conducted a thorough investigation, as required under the FCRA, and has failed to update my credit report with the correct information. This lack of proper investigation and failure to correct the record has caused significant harm to my credit report and financial standing.I have already successfully worked with XXXX and XXXX, both of which have corrected the errors and deleted the inaccurate address from my credit reports. I am frustrated that Equifax has failed to do the same, and I am requesting immediate action to correct these errors. 
The failure of Equifax to adhere to the requirements of the FCRA to properly investigate and correct inaccuracies is concerning. I am again providing a copy of my state issued ID along with a recent bank statement with a copy of XXXX  and XXXX  report showing my accurate address and name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
I have been trying to access the online website of these credit bureaus so as to get a copy of my credit report but without success. 
Can they please send a copy of my credit report to the address on file please.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
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  Re : Disputing error [ s ] on credit report Dear [ XXXX XXXX XXXX ], I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number or other information to identify account : 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  Dates associated with item being disputed : [ 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 ] Explanation of item being disputed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] The report shows I currently owe money to your company that I have already repaid. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] The date of first delinquency on my report is not accurate. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] ] XX/XX/year> : XXXX XXXX XXXX  : THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX NPOINTS ON CREDIT REPORT WIHTOUT MY KNOWLEDGE. XX/XX/year> : XXXX XXXX XXXX XXXX THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX NPOINTS ON CREDIT REPORT WIHTOUT MY KNOWLEDGE. THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX POINTS ON CREDIT REPORT WIHTOUT MY XXXX : XXXX XXXX  XXXX THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX NPOINTS OFF MY CREDIT REPORT WIHTOUT MY KNOWLEDGE. XX/XX/year> XXXX THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX POINTS OFF CREDIT REPORT WIHTOUT MY KNOWLEDGE. 

My XXXX  loan shows a period of delinquency when I was actually in an income-driven repayment plan. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX WOULD LIKE A CORRECTION ON MY CREDIT REPORT PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
Company ; XXXX XXXX XXXX  Ive reached out multiple times requesting information every time I reach out the company sends court papers, this debt is 7 years old according to North Carolina state law a debt can not be collected on if written off or 3 years old this account is both! If I reach out the company uses there lawyers to bully me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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:
Company ; XXXX XXXX XXXX Ive reached out multiple times requesting information every time I reach out the company sends court papers, this debt is 7 years old according to North Carolina state law a debt can not be collected on if written off or 3 years old this account is both! If I reach out the company uses there lawyers to bully me

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 2024-11-10 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

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 2024-11-10 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Credit Collections XX/XX/XXXX. These item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief