vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Follow up to complaint XXXX. 

MLC states that a legally compliant validation response letter was sent. However, this is a bold lie. No complaint validation response letter has ever been received regarding the account identified in complaint XXXX. The consumer is requesting proof of such communication being sent. The consumer has all tracking and signature information to document her requests and receipt by MLC. However, no communication has been received by the consumer from MLC other than the previously provided letter stating MLC intends to cease any further collection actions dated XXXX XXXX. No communication has ever been received noting consumers communication preferences nor validation of debt. Nor has MLC addressed the proof of the FDCPA violations in their response to the previous complaint. Valid, actual proof was attached in the previous complaint but was not addressed by MLC. How is it that MLC can disagree with violations when proof was provided in the complaint? As previously stated, MLC may contact the consumer via the provided number to discuss settlement. If settlement can not be reached the consumer will move forward with filing proper court documents.

MLC has chosen not to address the valid proof of FDCPA violations provided by consumer included in the initial complaint. MLC simply chose not to address the provided facts and stated they disagree. On what grounds does MLC disagree with the violation proof provided?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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 did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for the late payment remarks reported on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC
State: CO

Complaint narrative:
I recently opened an account with Majority, an online bank that presents itself as a bank for migrants. The account was approved, I was sent a debit card. I recently transferred money from a gaming app into my Majority Account. It was me as the payee but listed my brother as the XXXX gaming account holder. They froze my account no warning to explanation. You can either chat with them through the app or call them. They blocked my access to the app and blocked my phone from being able to call them. All I got was a busy signal. I picked up another phone and was able to dial in just fine. I spoke to a representative from there and he said the deposit had a different name. It was my brother XXXX XXXX and XXXX XXXX XXXX. Given the same last name you would think they could reach out to find out whats going on but no they didnt, they froze the account no email no warning. Then they asked me to illegally provide them with my brothers personal information and pictures to unlock the accounts they have put me in a financial bind, still locked account, no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
This complaint is in response to CFPB complaint XXXX. XXXX XXXX XXXX XXXX XXXX responded to my dispute of account XXXX on my credit report stating that they disagree with assertion of incorrect reporting The company stated that they mailed me on XX/XX/XXXX, but I received no such notice. The company also alleges that the account was charged off on XX/XX/XXXX, and the current balance owed is {$420.00}, but I contacted the original creditor, and they could not validate this accusation. Lastly, XXXX XXXX capital never sent proof of their license to collect debt in the state of Texas. I am not liable to pay this company and their claims do not support the information received from the original creditor XXXX XXXX XXXX. Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Remove this account from my credit report immediately XXXX Original creditor : 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 2024-04-04 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-04 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: AL

Complaint narrative:
Reached out to equifax to let them know ive had several unauthorized inquiries im just finding out about due to ordering my reports to check for inaccuracies. Equifax has yet addressed this issue to have these inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a collection letter in XX/XX/XXXX from XXXX XXXX XXXX collecting for Portfolio Recovery Associates , LLC. They wanted to collect a debt from XX/XX/XXXX. Ten years!! I sent them a letter requesting verification/ validation. They never sent it. XXXX XXXX XXXX sent a letter containing only a default judgment document from XXXX. This is the first time finding out about this debt and default judgment. Portfolio Recovery Associates bought the debt and never contacted me by mail. The entire time they were purposely sending communication to the wrong old address. My right to verify and dispute any debt was denied. I believe they purposely do this to consumers so that they can bring a lawsuit without contest. I obtained the court docs and Yes, they had the petition filed with an old address. 
I am formally disputing and contesting the actions of Portfolio Recovery Associates, LLD, in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. I hereby declare that I dispute owing any and all debts to and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between Portfolio Recovery Associates , LLC and the original creditor pertaining to the said debt. It has come to my attention that Portfolio Recovery Associates , LLC has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I was denied the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Portfolio Recovery Associates , LLC has proceeded to place a default judgment without my right to dispute, proper service, and false filing of court documents. I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by Portfolio Recovery Associates , LLC. Your prompt attention to this matter is greatly appreciated. Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: T.S. Holdings
State: AL

Complaint narrative:
I was sued bXXXX XXXX XXXX XXXX XXXX in XXXX XXXX AL. At the same time XXXX XXXX turned me over to a collection agency while they were suing me in court. I was under the impression sent it was sent to a collection agency they were the ones garnishing my wages. It was until a few months ago I received a letter stating if I paid X amount of money they would close my account. That is when I called the collection agency ( IQ data ) to inform them I have paid well over the amount they were asking for. That is when IQ data informed me XXXX XXXX had sold my debt to them and they were not in fact collecting the money. I then have been in contact with XXXXXXXX XXXX attorneys through email for the last 2 months and nothing has been done. They told me XXXX XXXX would contact IQ data to have this fixed. I contacted IQ data and the lady I spoke with told me she would not be speaking to me regarding this matter unless I was paying the balance. She then started screaming at me over the phone stating that this was not her problem and that she would not be helping me any further, then hung up on me. Since then XXXX XXXX has stopped replying to my emails. Again XXXX XXXX went through the court and is garnishing my wages for over {$11000.00} I have almost paid this amount off now. I have had XXXX data on my credit with reoccurring interest. This has dropped my credit score, is preventing me from getting any loans, has stopped my husband and I from buying a home. XXXX XXXX is collecting on my debt twice. They have sold the debt to IQ data and then led me under false pretenses with filing a suite against me leaving me under the impression that I wouldn't need to go to court since it was turned over to a collection agency. In turn they have collected more money from me by suing and garnishing then making more money by selling the same debt to a collection agency. Now I am sitting her with garnished wages and debt I don't owe on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital systems is adding old collection items that are past seven years old back to my credit report. They added {$1400.00} from an old XXXX charge back from XXXX. I would like this removed off my report. Be wary of Jefferson Capital Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX died XX/XX/XXXX. On the XX/XX/XXXX, I went into Chase Bank in XXXX, CA to find out what I would need to close the account. It was a personal checking account with the trust as the beneficiary. I met with XXXX who told me that I would need to set up a trust account with the trust attorney, bring in the trust, any ammendments and my mom and dad 's death certificate. I did this with my co trustee, my brother XXXX, on XX/XX/XXXX. XXXX took copies of all the documents so that he could scan them into their system. He said it would take 7-10 business days as something had to be done in the " back ''. 10 days goes by and I hear nothing so I call and he is not in. I call XXXX, the Bank XXXX XXXX, who proceeds to tell me she has no info on " closing trust accounts '' and I would have to speak to XXXX when he returns. Called him a few more times to no avail. On XX/XX/XXXX XXXX calls me to say the process is finished and I can stop in at the bank anytime and go to the window and get the check which would be made out to the trust ( I need to deposit it into a trust account ). On Friday, XX/XX/XXXX ( the next time I was in XXXX ) I stopped into the bank. XXXX was on vacation and the teller proceeds to tell me he has no idea what I am speaking of. The branch manager, XXXX, then tells me she can not locate our documents or personal information in their system even though XXXX had copies and doesn't know where they are. I ask for her supervisor ; XXXX XXXX and I call him. He proceeds to tell me he is sorry as it shouldn't take this long when someone dies and shouldn't be this hard. He tells me he will reach out to me on Monday. Today is now almost a week later and they are telling me that I need additional documentation and my brother who does not live here has to write a notarized letter to say he agrees with us closing the account and getting a check ( even though the trust is the beneficiary of the account and they have her death certificate XXXX and on top of all that he was with me when we originally gave them all the documents and directions ). He lives in the XXXX XXXXXXXX XXXX and can not just come down anytime he pleases. They have the documents they need and should close the accounts. We closed accounts with XXXX XXXX, XXXX XXXX and XXXX as well as XXXX XXXX  and did not have nearly this amount of trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have been studying the Uniform Commercial Code, the United States Code, the Code of Federal Regulations, Negotiable Instrument Act, and the Bill of Exchange Act. I realized while studying these articles for the protection and education of the consumer that the instrument that was delivered to me at the dealership was a self-liquidating asset, which could be made payable to the bearer or to the order of someone. Once I realized this, I tendered the instrument to them in full satisfaction of the claim, to which I was denied and told that the promissory note had no value and was threatened to be reported for fraudulent activities. I have tried to explain and requested that they, since they claimed to have no knowledge of the UCC and that the UCC did not govern any part of the transaction between us, look it up and learn for themselves. I also sent in letters explaining what these things actually are with no success. I also learned that the bills that were being delivered to me via mail were due bills that could be converted into negotiable instruments, according to the UCC, and seeing how they have an account and routing number on the bottom of each payment coupon, it indicates that what is being issued are checks. Their refusal to listen and learn has led to the closing of my account and a repeated injury to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. TransUnion FRAUDULENT Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04 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: CA

Complaint narrative:
Here is the letter I received from XXXX and on it showed name of someone who I have no idea is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
Here is the letter I received from Experian and on it showed name of someone who I have no idea is.

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 2024-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I applied for forgiveness, based on the school closing while I attended. The forgiveness was granted. I have been checking the loan status with Aidvantage ( loan servicer ). I have called multiple times to get incorrect information. On today I was asked to fill out a second application for borrower defense when the school that is listed isn't one I applied for nor was authorized an application for. the only school I attended was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
Experian is ignoring the evidence sent to them to prove the account has been paid in XX/XX/year> and was not a collection or late for XXXX and XX/XX/year>. I have provided both documents and called several times and they keep siding with XXXX who also is reporting incorrectly even after providing me with a paid in full letter for this account. Account number XXXX is being reported and re reported incorrectly by both and neither Experian or XXXX is accepting the proof letters sent to 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 explanation
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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