vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C & M Associates Group, Inc.
State: FL

Complaint narrative:
On XXXX I received a phone call from phone number XXXX. I did not answer but the caller left a voicemail. In the voicemail, a person stated their name is XXXX XXXX? on behalf of C & M Associates Group. The caller stated that there is a time sensitive matter that needs my urgent attention and advised me to call XXXX. I researched this number and it does return to C & M Associates Group out of Illinois. C & M Associates Group is a real debt collection agency. On XX/XX/XXXX, I contacted C & M Associates Group and spoke with someone that sounded exactly like the caller that left the voicemail. He advised that he is attempting to collect a debt and advised that the debt occurred in XXXX and that the original creditor is XXXX XXXX XXXX. I researched XXXX XXXX Money and found out that they used to be a payday loan service that was shut down by the FTC in XXXX. I knew in fact that I have never had business with this company and have never taken out a payday loan. I relayed this to the caller and he began to state that he has all of my information. He told me he knows my address, my social, my previous employer, and my bank account information and correctly told me this information. He then said that the debt is real and I am liable for it. I again told him I am confident that I did not ever have contact with XXXX XXXX in any way and asked for proof. He stated that they would put the debt in dispute and that they would provide proof that the debt was real and that I can compare signatures to show it's mine. I was able to locate a number for XXXX 's corporate office and on XX/XX/XXXX contacted them. A recording played saying " If you receive a call or letter stating you owe money on a debt do not pay and contact local law enforcement ''. I spoke with a customer service agent and she advised that she can look up my information to determine if I was ever a customer. I provided her this and she advised that there is no record that I had ever had business with them in any way and never owed a debt. The customer service agent also advised me to contact the FTC. I contacted C & M Associates group and spoke with XXXX. I told him what XXXX told me and that I will contact the FTC. XXXX quickly stated that I shouldn't worry about it and that they've already closed the debt and that I don't owe anything. This seems odd that a debt collection company is trying to intimidate me by telling me my personal information and demanding payment but then quickly decides to just close the account. I feel that they are operating in a fraudulent matter with ghost debts seeing who they can go after that will pay money on a debt they don't actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX, 2023, I received a check for {$2500.00} which I deposited that day into my Total Checking account at Chase Bank. I received a confirmation email from Chase Bank that the check was accepted at XXXX cst on XXXX, 2023 and that {$2400.00} was available for use. SOLELY because of this confirmation email from Chase, I spent {$1000.00} of the available {$2400.00} funds. The {$2500.00} check was definitely cleared by Chase as it went from " Pending '' to " Available '' status on my account plus I received the confirmation email so I was sure I had the green light to spend it. XXXX days later, Chase said the check was fictitious. It is clearly wrong that Chase would clear this check and send confirmation email saying that the deposit was accepted and funds were available for use. This was unscrupulously misleading. I am out {$1000.00} because of this. I requested Chase to provide me the {$1000.00} back since it was due to Chase 's XXXX incorrect deposit confirmations ( 1 - deposit status changed from " Pending '' to " Available '' and 2 - Chase 's confirmation email ) that I spent the {$1000.00}. Chase has not rectified this situation at all with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: LEXISNEXIS
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 2024-01-24 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I am writing in response to the ongoing matter related to CFPB complaint number XXXX regarding my concerns with Security Finance XXXX 

Upon receipt of the documentation provided by Security Finance, it has become apparent that there are significant discrepancies between the alleged balance reported for account XXXX and the information contained in the paperwork sent to me. The balance on my credit report does not align with the documentation, raising further concerns about the accuracy of the reported information. 

Additionally, I would like to emphasize that, based on the statute of limitations in the state of Texas, this debt has been deemed uncollectible since XXXX Therefore, the continued reporting of this debt is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). 

Given the substantial discrepancies and potential FCRA violations, I must insist on the removal of this account within the next 7 days. I have attempted to address and rectify this situation, but the disparities persist. 

To provide clarity and evidence, I will be attaching my credit report to this communication, highlighting the inconsistency in the reported balance and supporting the claim that this debt is, indeed, uncollectible. 

I trust that your prompt attention to this matter will lead to a swift resolution. However, if the account is not removed within the specified timeframe, I regrettably inform you that I will have no choice but to pursue legal action to seek both compensation and justice for the violations incurred. It is public knowledge that Security Finance has been involved in numerous lawsuits related to failing to truthfully report to the credit reporting agencies payments made by consumers, accurate account balances, or consumer disputes of false reporting. The credit bureau furnishing this incorrect information will also be included in the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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. I WAS NEVER LATE. By law you can not treat late payments as transaction under 15 usc 16802 and 15 usc 1666B. REMOVE AND DELETE. 

XXXX XXXX  Under dispute Date opened XX/XX/XXXX XXXX {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$6000.00} Status Account charged off. {$6000.00} written off. {$6000.00} past due as of XX/XX/XXXX. 

XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
These items have violated my rights and i feel extorted due to the fact this is my second attempt and i have yet received any notice of removal or update.

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 2024-01-24 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:
I am writing in response to the ongoing matter related to CFPB complaint number XXXX regarding my concerns with XXXX XXXX XXXX 

Upon receipt of the documentation provided by XXXX XXXX, it has become apparent that there are significant discrepancies between the alleged balance reported for account XXXX and the information contained in the paperwork sent to me. The balance on my credit report does not align with the documentation, raising further concerns about the accuracy of the reported information. 

Additionally, I would like to emphasize that, based on the statute of limitations in the state of Texas, this debt has been deemed uncollectible since XXXX Therefore, the continued reporting of this debt is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). 

Given the substantial discrepancies and potential FCRA violations, I must insist on the removal of this account within the next 7 days. I have attempted to address and rectify this situation, but the disparities persist. 

To provide clarity and evidence, I will be attaching my credit report to this communication, highlighting the inconsistency in the reported balance and supporting the claim that this debt is, indeed, uncollectible. 

I trust that your prompt attention to this matter will lead to a swift resolution. However, if the account is not removed within the specified timeframe, I regrettably inform you that I will have no choice but to pursue legal action to seek both compensation and justice for the violations incurred. It is public knowledge that XXXX XXXX has been involved in numerous lawsuits related to failing to truthfully report to the credit reporting agencies payments made by consumers, accurate account balances, or consumer disputes of false reporting. The credit bureau furnishing this incorrect information will also be included in the lawsuit.

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 2024-01-24 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:
I regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU WRITTEN AND UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802. 
ACCORDING TO THE PRIVACY ACT OF 1974 PLEASE REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE ALL CHARGE OFFS- CHARGE OFF IS A CERTIFICATE OF INDEBTNESS AND IS CONSIDERED INCOME WHICH MEANS IT MUST BE REMOVED. 
PLEASE REMOVE PROMTIONAL INQUIRIES- I DID NOT CONSENT TO THESE INQUIRIES. 
THE LAW STATES THAT ITS ILLEGAL TO REPORT TRANSACTION HISTORY FOR CREDIT CARDS. PLEASE UPDATE AS PAID AS AGREED.

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 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
The first notice of the fraudulent debt was through a collection action on my credit report. I have received no other notices of this debt, which is fraudulent debt. The collection agency MRS BPO filed the collection action with the credit bureaus, but the debt originated with XXXX XXXX XXXX. I havent done business with XXXX XXXX XXXX for over 10 years. I have received nothing from XXXX XXXX XXXX or MRS BPO notifying me of this account or debt prior to it appearing on my credit report. How is this possible that a derogatory comment can be added to my report without some evidence that an attempt to collect the debt from my valid mailing address, email address or phone number has been made? This isnt consumer protection. As stated, I have not received any notice in any form about this debt nor did I enter into any business agreement with XXXX XXXX XXXX. About the time this fraudulent debt was incurred, XX/XX/2023, an erroneous new address was added to my XXXX credit report. I immediately notified them that the address was not valid now or at any time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
I had taken out a Title Loan to pay off credit card debt in hopes it would consolidate my debt in order to be able to affored housing. I went to One Main Financial after getting an email. I was told to bring in my title to my car which was paid off. I did that and signed the loan docs after the loan officer took many photos of my vehicle. I paid XXXX every two weeks for a year and a half. It has hardly put a dent in the principle of the loan. I fell on extremely hard times due to my mom becomeing ill XXXX XXXXXXXX XXXX XXXX  and was forced to quit my job to care for her. Due to that I am in serious financial problems and looked into Bankruptcy. While doing so, I was informed that Title Loans in Colorado are completely Illegal. I feel like I was completely dupped and had paid so much of the loan back with crazy high interest. Now i'm stuck needing my only vehicle to be able to work and worry they will take my car since I am unable to pay. It is really unfortunate that companies are allowed to reel people in and not have the verbiage on loan docs in regular sized text and a more simplfied form so we as consumers do not sign our life away by not understanding. You almost have to be an attorney anymore to understand any of the content in loan docs and credit card lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address a discrepancy in the credit reporting information for my account with XXXX XXXX XXXX. Specifically, I have observed that Experian is reporting a late payment for XX/XX/scrub>XXXX XXXX while other 2 credit bureaus are not reflecting this inaccuracy. 

I understand the importance of accurate credit reporting, and I take great care in ensuring the information is consistent across all credit reporting agencies. The reporting of a late payment for XX/XX/scrub>XXXX XXXX  on my Experian credit report is both unexpected and inconsistent with the information provided by other credit bureaus. 

To maintain the accuracy and integrity of my credit profile, I kindly request that Experian investigate this matter and promptly remove the reported late payment for XX/XX/year> in accordance with the Fair Credit Reporting Act ( FCRA ). The account is 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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I haven't used the Credit Card for more than 20 months, I received the offer on XX/XX/year>, will earn {$300.00} statement credit when I make {$500.00} or more eligible purchases from XXXX XX/XX/year> or they will close the account. The previous purchase total of {$360.00} through XX/XX/year>. I purchased the air pod at XXXX in the amount of $ XXXXon XXXX received the item on XX/XX/year>. XXXX sent me the invoice that billed to my Credit Card and copy of delivered notice XX/XX/year>. I did not purchase it on XX/XX/year>. The merchant will not charge my credit card after the item was delivered it to me. I reviewed the statements and all the previous purchase dates were different than the actual purchase date. I reached out to Citibank and the agent told me that I purchased the item on XX/XX/year>. I didn't agree with that so I requested to speak with the supervisor. The supervisor told me that when I purchase the stuff on the actual date, the transactions will be posted to the card in 2 days later and then retroactive to the date that I purchased. I attached the copy of the invoice and delivered notice from XXXX. The supervisor told me that I purchased the item on XX/XX/year> and it's not true. The supervisor hung up on me and wasn't professional.

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 monetary relief
Consumer complaint received 2024-01-24 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief