vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Marcadis Singer PA
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( " CFPB '' ), I am filing this complaint against Marcadis Singer P.A. ( Marcadis ) and XXXX XXXX, XXXX ( DNF ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( FCCPA ), and other applicable laws. 

Marcadis and XXXX engaged in unfair and deceptive practices by filing a frivolous lawsuit against me, falsely alleging that I owe a debt of {$7000.00}. The lawsuit was signed by XXXX XXXX XXXX, a debt collector, who has no legal standing to sue me. Despite my repeated requests, neither XXXX XXXXor XXXX has provided proof of ownership or a valid chain of title for the alleged debt. Their actions constitute unlawful and deceptive practices under state and federal law. 

Furthermore, prior to these actions, I never provided consent for eitheXXXX XXXX or XXXX to contact me. Their actions constitute an intrusion upon my seclusion and an infringement of my right to privacy. They unlawfully obtained and used my identifying information without my knowledge or lawful consent. 

Under duress and intimidation, I was coerced into making payments totaling {$800.00}. They threatened harm if I did not comply with their frivolous lawsuit. This coercion, combined with their refusal to provide proper documentation, has caused me significant emotional distress, humiliation, and financial harm. 

I demand that Marcadis and XXXX immediately refund the {$800.00} collected through their unlawful practices and cease all further collection efforts. I will no longer participate in this illegitimate proceeding and will pursue legal action for the violation of my rights under applicable laws. 

Please see the attached documents supporting this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: EQUIFAX, INC.
State: CA

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. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.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 than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NJ

Complaint narrative:
I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report. This information was placed on my report as a result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the fraudulent accounts listed below be blocked from my credit report immediately. 
XXXX Accounts to be Blocked XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened ( XX/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 2024-11-16 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: GA

Complaint narrative:
Dear CFPB, I am writing to bring to your attention a matter concerning the inaccurate reporting of a bankruptcy on my credit report. 
On XX/XX/year> I requested verification of a bankruptcy from the court associated with the following case : - Bankruptcy Case Number : XXXX However, the court informed me that they do not provide any verification or information directly to credit bureaus. Despite this, the credit bureau in question updated my report to reflect that the bankruptcy was verified within 30 days of my request, without providing any supporting documentation or evidence of the verification. 

I subsequently provided this information to the credit bureau, emphasizing that the court does not issue verification for bankruptcy filings. Despite my efforts to resolve this matter and the evidence I submitted, the credit bureau has failed to remove this inaccurate bankruptcy entry from my credit report. 

This situation has caused me significant distress and has impacted my creditworthiness. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in investigating this matter further and ensuring that the credit bureau complies with the law by removing the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this serious issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am writing to bring to your attention a matter concerning the inaccurate reporting of a bankruptcy on my credit report. 
On XX/XX/year> I requested verification of a bankruptcy from the court associated with the following case : - Bankruptcy Case Number : XXXX However, the court informed me that they do not provide any verification or information directly to credit bureaus. Despite this, the credit bureau in question updated my report to reflect that the bankruptcy was verified within 30 days of my request, without providing any supporting documentation or evidence of the verification. 

I subsequently provided this information to the credit bureau, emphasizing that the court does not issue verification for bankruptcy filings. Despite my efforts to resolve this matter and the evidence I submitted, the credit bureau has failed to remove this inaccurate bankruptcy entry from my credit report. 

This situation has caused me significant distress and has impacted my creditworthiness. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in investigating this matter further and ensuring that the credit bureau complies with the law by removing the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this serious issue. I look forward to your response.

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 2024-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was notified that my account is pending closure on XX/XX/year>, since that day i have not been able to move or access the money in my checking or savings account. The reason for its closure is some breach of contract that i was given minimal information on then I was told im not entitled to the remaining funds in my account. How the XXXX am i not entitled to MY MONEY???? Id like my money either mailed via check to the address on file or id like the restriction on my account lifted so i can move my money and never bank with sofi again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NJ

Complaint narrative:
I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report. This information was placed on my report as a result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the fraudulent accounts listed below be blocked from my credit report immediately. 
XXXX Accounts to be Blocked XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account Number : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I settled my account with XXXX XXXX XXXX for {$2000.00}. The account is suppose to reflect paid and settled but XXXX has continued to report delinquent each month since then. Even after contacting them and disputing the account 3 times.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
when checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's to furnish this information on my consumer report this is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
when checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's to furnish this information on my consumer report this is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights

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 2024-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC I never did any business with this company, I noticed that they are listed on my credit report that I owed them money which is {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I placed an order for pants that was never sent. Despite the fact that I provided evidence showing I had never received the package, the seller has not issued a refund. I have contacted customer service multiple times, but they have been unhelpful. They keep asking for the same evidence, which I have already provided. This is incredibly frustrating, as I have paid for an item I never received. I am requesting that the seller review my case and issue a full refund immediately. This level of service is unacceptable and I will not be shopping with this retailer again. I am incredibly disappointed with the dispute resolution process. 
Today i dispute for unauthorized charges, but it was closed without a proper investigation. 
Despite providing evidence and explaining my claims, the company refused to consider my side of the story. Their customer service has been unhelpful, and I am deeply concerned about this lack of accountability. It is unacceptable for a company to dismiss legitimate disputes without a thorough review. This experience has significantly damaged my trust, and I am now seeking further action to resolve this matter. I believe that all customers deserve fair treatment and a transparent dispute process.This situation has been incredibly frustrating and disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : 1. XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) This account is being reported inaccurately, please remove this from my credit report immediately.

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 2024-11-17 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:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : 1. XXXX ( XXXX XXXX XXXX XXXX XXXX  ) 2. XXXX ( XXXX XXXX XXXX XXXX XXXX ) This account is being reported inaccurately, please remove this from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
XXXX XXXX XXXX Forest XXXX XXXX # XXXX XXXX, Texas XXXX [ Date ] To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Correct Personal Information Following National Credit Breach Dear [ Experian/XXXX  XXXX XXXX I am writing to formally request the immediate correction and removal of inaccurate personal information from my credit report. I am concerned that my personal information may have been compromised as part of a national credit bureau data breach. The inaccurate information being reported is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Texas XXXX XXXX XXXX XXXX XXXX. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX # XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX I demand that any names, addresses, phone numbers, employment details, or other personal information inconsistent with the above be deleted immediately. 
Impact of the Breach : The XXXX XXXX breach and subsequent breaches involving credit bureaus underscore the need for robust protections of personal data. As a consumer, I am deeply concerned that incorrect or unverified information may result from such incidents, leading to potential identity theft or credit inaccuracies. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement

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 2024-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a line of credit since XXXX  and the balance has not been going down at all. I know that at XXXX time I had trouble paying do to personal difficulties and they said that the only way to help me was to refinance the line of credit. I been paying over XXXX  years and still dont see my balance go down. I would like someone to check in to into to see what I am doing wrong by paying the whole time on this loan, it only made me be in debt longer. I have never stopped paying them or being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Dispute of Late Payment Entries on Credit Report for Account with DISCOVER BANK Dear Discover Financial Services Representative, I am writing to address inaccuracies on my credit report concerning late payment entries associated with my account at DISCOVER BANK ( Account Number : XXXX ). These inaccuracies have adversely affected my XXXX XXXX, and I request their immediate correction in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment entries that do not accurately reflect my payment history. I urge you to investigate and remove these erroneous entries promptly. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., requires credit reporting agencies and information furnishers, such as DISCOVER BANK, to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Under the FCRA, you are obligated to conduct a prompt and thorough investigation of disputed entries and correct or delete any inaccuracies within 30 days ( 15 U.S.C. 1681i ( a ) ( XXXX ) ). Non-compliance with these obligations may result in legal liability, including damages and attorneys fees ( 15 U.S.C. 1681n ). 

Additionally, the FCRA prohibits the reporting of adverse information, such as late payments, beyond XXXX years from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). 

In light of the above, I respectfully request the removal of the disputed late payment entries associated with my account from my credit report. I further request written confirmation of these corrections within 10 days of your receipt of this letter. Failure to address this dispute in a timely and accurate manner may compel me to pursue further action, including filing formal complaints and seeking legal remedies. 

Thank you for your prompt attention to this matter. I trust that you will resolve this issue expeditiously and uphold the accuracy and integrity of my credit report in compliance with the FCRA. 

Sincerely, XXXX XXXX -- - Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( XXXX ) ( Procedure in case of disputed accuracy ) XXXX5 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( XXXX ) ( Requirements relating to information contained in consumer reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
not authorized inquries on my XXXX credit report

Company response to consumer: Closed with explanation