vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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:
I reviewed my credit report, and I noticed the following inquiries dont have permissible purpose XXXX XXXX does not have permissable purpose according to 15USC XXXX XXXXXXXX XXXX XXXX XXXX does not have permissable purpose according to 15USC XXXX XXXX XXXX -- does not have permissable purpose according to 15USC XXXX XXXX XXXXXXXX XXXX XXXX -- does not have permissable purpose according to 15USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: The Bureaus, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Triton Recovery Group
State: CT

Complaint narrative:
I have previously filed a complaint with this same company, Triton Recovery, back on XX/XX/XXXX. This new complaint is for the same reason. I have a family member who owes a debt and is working to repay it. They fell behind and missed a payment and Triton is now texting me again. I called Triton today on XX/XX/XXXX and spoke with XXXX XXXX phone number XXXX XXXX, email XXXX. I advised her this had happened before and I needed my phone number removed from their collections information for my family member. I was informed that they could not do that. It was on me to be a " good brother '' and make sure my relative calls Triton to stop them from contacting me. This sounds illegal. I do not nor have ever owed a debt to Triton. They need to stop contacting me instead of putting pressure on me to have my relative call. This has happened twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2024, while on vacation, XXXX XXXX XXXX and I both got a voice message that my accounts with American Express had been immediately cancelled - accounts ending in XXXX and XXXX - and the reason was Per Banking Regulations. After 5 phone calls, no one could tell me what that meant, nor give me any further information as to why an account open for 40+ years was being cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/year> I receive a letter from Jefferson Capital stating that I have paid debt that was owed ad they will be removing this account from all my consumer reports. XXXX and XXXX has removed the account. Im asking that this inaccurate account e removed as well immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
in XX/XX/year>, I discovered that XXXX XXXX and XXXX dollars had been stolen from my IRA account - XXXX XXXX from the checking account and XXXX XXXX dollars from the saving account of Chase Bank. 

I have been a customer of Chase bank for more than 10 years. 

1. At this time, fraudsters issued a XXXX credit card in my name without my participation 2. Scammers made illegal transactions using a fake XXXX credit card through the XXXX payment system, where I never registered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My father died last year. He had two Certificates on Deposit at Capital One Bank. I sent the requested documentation multiple times, and the bank confirmed receipt of such. However, the beneficiary is still being denied the proceeds of her funds ( over $ XXXX ), and the bank is now requesting an additional notarized form from the XXXX beneficiary. The original instructions FROM THE BANK DO NOT INDICATE that the notarized instructions have to be sent from both the executor AND the beneficiary. Specifically : For most estates, you'll need - A copy of the death certificate ( sent multiple times via fax and email ) - For executors, a copy of the Court-official Letter of Administration or Letters of Testamentary, dated within the last 2 years ( sent ) - A copy of the Letter of Instruction for each executor and/or beneficiary ( sent from executor ). 

NOW, the bank is saying they require a notarized Letter of Instruction from BOTH the executor AND the beneficiary. PLEASE HELP THE BENEFICIARY obtain their due funds that Capital One is holding hostage. This is beyond ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Equifax that these are from fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Date Amount To Whom Confirmation # XXXX. 
XX/XX/XXXX {$2000.00} XXXX | principal only Payment not transferred to SLS. Send message in SLS portal to inquire and email to XXXX at XXXX. XXXX website not working on XXXX XX/XX/XXXX {$1700.00} SLS for XXXX payment XXXX XX/XX/XXXX {$1800.00} SLS payment for XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment for XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} ShellPoint XXXX Payment XXXX Total Payments = {$16000.00} My " new dashboard '' continues to not reflect accurate information and the provider has indicated " they do not have the information ''. 

Dashboard only represents about {$11.00}, XXXX worth of payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
my identity was stolen and someone got a hold of my PayPal account and used my account to make unauthorized purchases. As a result of this there was a negative balance of {$1000.00} in my PayPal account and multiple other transactions. I call and informed PayPal of this over 3months ago and it still hasn't been resolved, now they fully locked my account and sent it to a collections agency. I have been calling all day to try and fix this issue and they just keep transferring my around to different department, I have talked to the collections agency, the PayPal credit dept. and many other department but no one is doing anything, I even requested to speak to a supervisor and they told me a supervisor will give me a call back today and im still waiting on the call. They have not even informed me of the results of my fraud claim or given me any updates. This is beyond ridiculous I have never seen nothing like it, horrible customer service, they are either misinformed and dont not what their doing or just transfer you to another department just to get transferred back somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
As a victim of debt bondage, a severe form of XXXX XXXX  I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Capital Solutions LLC
State: FL

Complaint narrative:
ORION CAPITAL SOLUTIONS IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE. I HAVE RECIEVED NUMEROUS HARRASING PHONE CALLS FROM THIS COMPANY WHO DEMANDS I TELL THEM WHO I AM WHEN THEY CALLED ME AND REFUSES TO PROVIDE VALIDATION OF DEBT OR CEASE AMD DECIST AND AMOUNT ALEGADLY OWED WITHOUT VERICATION OF DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OK

Complaint narrative:
The collection is for XXXX XXXX XXXX using collection agency IC System in the amount of {$3400.00}. This collection was disputed on all three bureaus. It had an incorrect amount, incorrect date, and was showing as an open account instead of collection. It was removed from all three. It got put back on using a different collection agency. I talked to XXXX and they said to have the collection blocked so they cant keep putting it back on my report. So far it is only XXXX that it has reappeared. XXXX is disputing to have it removed again. 

Thank you 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 2024-07-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not authorize these companies to make any inquiries that I see on my credit report. This is a violation of the Fair Credit Report Act section 1681b ( c ) and a serious breach of my privacy rights. I asked the Credit Bureaus to remove them. The Credit Bureaus did not remove them as I asked. I am providing an XXXX report which I will attach to this complaint. I am asking the CFBP to remove them as they are inaccurate and not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: MD

Complaint narrative:
I did not authorize these companies to make any inquiries that I see on my credit report. This is a violation of the Fair Credit Report Act section 1681b ( c ) and a serious breach of my privacy rights. I asked the Credit Bureaus to remove them. The Credit Bureaus did not remove them as I asked. I am providing an XXXX report which I will attach to this complaint. I am asking the CFBP to remove them as they are inaccurate and not mine.

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 2024-07-22 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: Holloway Credit Solutions
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: LA

Complaint narrative:
I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.

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 2024-07-22 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Purchased a XXXX from XXXX ( Comenity Bank ) {$43.00} on XX/XX/year>, returned XXXX on XX/XX/year> but was only credited {$42.00}. Last statement I received from them was {$43.00} balance due XX/XX/year>. Received a call XX/XX/year> about a past due balance on my account ( surprised because I have not received any statements from them ) and they are showing a {$63.00} balance. When I checked the account online is when I discovered they only credited me the {$42.00} leaving a XXXX cent balance. When I called Comenity Bank to explain and that I was wrongly charged the following : XX/XX/year> Late Fee {$30.00} XX/XX/year> Interest {$1.00} XX/XX/year> Late Fee {$31.00} XX/XX/year> Interest {$1.00} First, I was hung up on twice, then I requested to speak to a supervisor. She told me that unfortunately she could only remove XXXX late fee and that she would transfer to someone higher to see if they could remove the other late fee. Transferred to higher supervisor and again I was told only XXXX late fee for {$31.00} and interest for {$2.00} could be removed and that I would need to pay the {$30.00}. When I told her I would not pay {$30.00} because this should have been a XXXX balance when I returned the item on XX/XX/year> and because they credited me XXXX cent short. She informed me I would need to pay the {$30.00} late fee or it will cause additional late fees and interest. She said I could call the Sales Department to see why they shorted the return for {$.00} ( XXXX ). When I called this number provided they informed me they could not help with that or the late fees and I would need to contact Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 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: VA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-22 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I checked my credit report and noticed that i owed an alledged debt of {$1900.00}. The company put this alleged debt on my credit report with out my permission.

Company response to consumer: Closed with explanation