vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-06-09 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase Bank closed all 3 of my credit cards. They claimed to have mailed me a SA89 form to verify my social security number. I never received a letter or any messages or alerts on my Chase online account. It has been XXXX months since I downloaded a SA 89 form online and faxed in my social security information. It has NOT been resolved and every time I call, I can getting transferred to different departments and most of the time, no one knows how to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Once again just because an unscrupulous former law firm client commits a credit card chargeback, PayPal cancels our entire account thus preventing us from doing further business, even when we provided proof of signed contract, paid by former client, and detailed billing invoice. 

Return our {$5000.00}, and do not punish us for criminal clients who victimize us, now twice by denying our ability to earn an income, especially when we have provided proof of lawful and ethical transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX is illegally trying to collect on a debt that is not mine. To no avail, I have requested the following information by mail to verify accuracy of the debt : 1. The Name and contact information of the original Creditor. 2. The amount of the debt you say I owe. 3. What the amount of debt you say I owe is specifically for. 4. Explain and show me how you calculated the debt you say I owe. 5. Copies of any documents that shows I agreed to pay the debt you say I owe. 6. Documentation showing that I am legally obligated to pay the debt you say I owe. 7. A verification or copy of any judgement ; if applicable. 8. Proof that you are licensed and authorized to collect the debt you say I owe. 9. Provide me with your license number and Registered Agent. I have neither been notified of a debt nor have I authorized through written instructions any such account to be placed on my credit report. Furthermore, no verification of its accuracy has been provided to me. As a XXXX XXXX XXXX XXXX classified as " XXXX XXXX XXXX XXXX' I receive medical care exclusively through military installations, XXXX XXXX, and the Veteran Affairs. I have never incurred or authorized any medical debt. According to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX '' lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed and/or registered in Florida.

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 2024-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have been in prison since XXXX and was released XXXX. I have had a problem with on going identity theft since opening and account with XXXX and XXXX XXXX. In XXXX of XXXX, someone found my wallet at XXXX and kept it. Started using my id and social and I canceled my XXXX XXXX XXXX immediately. I never applied for cash advances, I did pay off a car. XXXX said all of the transactions were done online. All payments were reversed into another account so all the money I paid on the car went somewhere else due to XXXX selling my information once completed payments and received checks for warranty over payment. They paid me because I paid too much then repossessed my car from my wife at work. Saying I was late? One minute the pink slip is on the way the next they tell me that I called to cancel payments and send it back to account number they were given. 
XXXX I have no idea about and when I went to the originating location of where account had activity they could not provide security footage or have a file on hand to show if an id was used. They said account was created online. I have submitted proof of incarceration, during dispute with credit companies, items being disputed are not on freeze but still show. I have XXXX plus inquiries I did not make or authorized to be made. I have a flag in check systems that I have nothing to do with due to the fact that I dont cash personal checks. I never had an XXXX $ payment to anyone and that was just added recently by way of fraud because XXXX XXXX XXXX was closed in XXXX so how could I have done anything with them? I was on my wifes account and our information was taken when my wallet was lost. 
Please help me to fix what going on. There are phone numbers on my credit report that are not mine and never were and thats the only evidence left of identity theft by way of those numbers because its still going on. One is still active and I only have one number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Pay off debt collectors still showing in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Re : Formal Complaint Against McCarthy, Burgess , & Wolff Inc. for Violation of Consumer Protection Laws Dear Sir/Madam, McCarthy, Burgess, & Wolff Inc. accused me of owing an alleged debt that is not even mine that they state that I owe. I was unaware of this alleged debt, and I didnt have an opportunity to dispute this information, as McCarthy , Burgess , & Wolff Inc. never provided me the proper notification of the alleged debt. If in fact they believe that they gave me the properly notification then please have them send me the certified return green card receipt with my name, address, and date on it. 

So then I wrote McCarthy, Burgess, & Wolff Inc. and requested debt validation pursuant to 15 USC 1692g including : *An Official Affidavit of Debt *The original contract on their company letter head with my wit ink signature on it *Proof of ownership AKA change of Custody collection *The full accounting records both Public and Private in accordance with General Accepted Accounting Principles ( GAAP ) and in accordance with 15 U.S.C. 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. I am writing to file a formal complaint against McCarthy, Burgess , & Wolff Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that McCarthy, Burgess , & Wolff Inc. communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ).

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that McCarthy, Burgess , & Wolff Inc. communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Mortgage has failed to pay escrowed coastal flood insurance premium each of last 2 years. Have called and attempted to rectify with Chase but they are not interested in researching why this is happening nor do they offer to rectify situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
Delete all accounts

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

I requested the removal of these two addresses over 30 days ago. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I REQYESTED XXXX XXXX XXXX XXXX XXXX GIVE ME THIS INFORMATION When debt XXXX contact you about money you may owe, they are required by law to provide you with certain information : The name of the creditor you supposedly owe money to The amount you owe That you have the right to dispute the debt, but if you dont dispute it within 30 days of being contacted, the debt collector can assume it is valid That if you dispute the debt in writing, the debt collector must provide written evidence of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However XXXX refuse to send me any proof of contract with my S

ignature to verify it mine account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

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 non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However XXXX refuse to send me any proof of contract with my Signature to verify it mine account.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
To whom it may concern, I visited XXXX XXXX XXXX on XX/XX/XXXX on recommendation from a family member. I was helped by a man named XXXX. XXXX was overly pleasant, I am guessing a tactic that he uses to get a sale. I expressed my need for a vehicle and we went and looked at a few. I finally settled on a XXXX XXXX XXXX. I was told the price and told that I would have to have a down payment to get the vehicle because the banking institution was requiring it. I told XXXX XXXX did not have a lot of money and I really could not afford to pay a down payment of the suggested {$3000.00} dollars that he wanted me to pay. Ultimately, we settled on {$1200.00} which is what I had left in my account after I got insurance. But the violation was not the price the violation was the fact the salesman pressured me into making a down payment for the dealership 's financial gain. As stated, in statue XXXX CFR XXXX ( i ) which iterates XXXX credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financial sale as defined in paragraphs ( d ) and ( XXXX ), of this section. '' In lament terms, I was never supposed to pay a down payment on this vehicle and the dealership has violated my consumer rights. They never explained to me about the my finance charge which is legally defined in 12 CFR 1026.4. This dealership used deceptive practices to get me into a loan that I was not comfortable with and because US Auto Credit is the institution that allowed the loan to go through, they are equally at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I made a complaint with Venmo on XX/XX/year> about money that was owed me for doing surveys with XXXX points. The money was sent from XXXX to Venmo on XX/XX/year>. I have been trying to get this money every since with communication at least once a week since. Finally on XXXX I received an email from XXXX XXXX, Paypal ( owns Venmo XXXX PayPalXXXX XXXX XXXX XXXX that the issue would be settled in XXXX weeks by sending me a check for {$25.00} to my home address, It is now over XXXX weeks and I have received nothing from Venmo and XXXX time I call customer service they said they have no record of this issue and they have nothing to do with PayPal. I believe they should pay me a penalty for withholding my funds from no lawful reason. I immediately replied to the email from XXXX XXXX with my address ( where I have lived for XXXX years ) People should realize that based on my experience with Venmo that they should expect little to no help from Venmo customer service if they ever have an issue with their account especially if it benefits Venmo. This money has been owed me since XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their aggressive pursuit of a debt that is beyond the statute of limitations, as well as their disregard for proper legal procedures during the XXXX pandemic. 
On XX/XX/24, I received a response from PRA regarding my initial complaint to your bureau. In their response, PRA stated that they verified the accuracy of the information regarding the debt in question, despite my objections and lack of knowledge about said debt. However, recent developments have shed new light on the situation. 
On XX/XX/24, I attended a court hearing regarding this matter. The presiding judge granted an order to vacate the judgment against me, as it was found that I was never properly served with the necessary legal documents. This revelation highlights the lack of due process and proper legal procedures followed by PRA. 
Furthermore, it has come to my attention that the debt in question is beyond the statute of limitations for collections in the state of XXXX XXXX. Its been XXXX years. Despite this fact, PRA has continued to pursue legal action against me, causing undue stress and financial hardship. 
It is worth noting that these proceedings occurred during the unprecedented challenges posed by the XXXX pandemic. Like many others, I experienced significant disruptions to my livelihood and financial stability during this time. PRA 's aggressive pursuit of this debt during a period of widespread economic uncertainty only exacerbated the situation. 

It is important to emphasize the severe financial hardship that PRA 's actions will have on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I currently have a lease XXXX XXXXXXXX XXXX whom gave me a loan through Bridgecrest auto financing. I purchased a warranty as well the car is now inoperable and I am still forced to pay for the balance. I had to go to a buy here pay here lot just to get back and forth to work. Ive called several times to the warranty department just to say that Im responsible for the repairs. I dont understand why my warranty is included in the contract and I cant get my car serviced or repaired.

Company response to consumer: Closed with explanation