vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
I sent the court, Zwicker & AssociatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters. The last letter dated XX/XX/ saying don't contact me anymore. You ( Zwicker ) failed to provide detailed information sent to me and the court so, on XXXX XXXX XXXX  i sent a certified letter to Zwicker asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with Zwicker and Associates 2. I am retired XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am requesting following informstion from Zwicker : A. Send me original purchase agreement with wet signature. 
B.Provide me accurate creditor contact information. 
C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. 
D. More importantly, I am requiring Proof of ownership that Zwicker has a contract with with creditor and authorized to collect debt from me. 
If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: GA

Complaint narrative:
I am a Natural person, I am a living human being, I have the rights under 15 USC 1681.Equifax is govern by 15 USC 1681 , And they violated my rights numerous of times.I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.These accounts are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, next account is XXXX  XXXX XXXX XXXX XXXX, XXXX, ND XXXX, XXXX is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX , next is XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX, last account is XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has out of the blue decided to restrict my account. I am student and have XXXX  to my name. My rent was due today and because of this my landlord has decided to kick me out., chase has said that they WILL close in account in 10 business days and will send me a check after that : while all this goes on, I am homeless in a different county with no money and nothing to eat. Its very distressful and I am having XXXX XXXX because of this behavior of chase. If you can help ; please help I I have no option but to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
The account XXXX is closed but the creditor is reporting an Increase in the balance every month and this account does not belong to me. I have asked for verification of this debt over 60 days ago and the creditor has not provided me nor the credit bureaus with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
The account XXXX is closed but the creditor is reporting an Increase in the balance every month and this account does not belong to me. I have asked for verification of this debt over 60 days ago and the creditor has not provided me nor the credit bureaus with this information.

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 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please remove these inquiries as soon as possible!!

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 2023-12-07 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
This is a notice to file a statement of claim against your company due to reinsertion of an account that was previously deleted. I sent your company a letter disputing the following account FEB DESTINY XXXX, where you stated that the item had been deleted; was not reporting ; no longer existed. After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. This is not the case because this account was closed last in XXXX. You are now reporting that this account was late in XXXX when this account was closed. The account that your reinserted also has a different balance and date of last activity being reported. How is this so? I am requesting all documentation proving the certification of accuracy. The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. I am willing to give you more time to furnish this information to me before I pursue suing against your company for the above mentioned FCRA violation. Please forward the name, address, and telephone number if available of the furnishers of the information confirming its accuracy. Documentation stating that the item has been reinserted and the date of reinsertion. I am furthermore requesting documentation of the reinvestigation process performed when this item had been deleted. In accordance with the FCRA, I expect to receive the requested documentation within 15 days of receipt. The reinserted account is listed below : FEB DESTINYXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
I tried to opt out of them sharing my information and tried calling as well to get copy of any consumer data they are holding about me. Their website shows easy way to get data and opt out ( see photo ). 
It constantly gives error message. So I call the phone number and message says leave message and we will call you right back. No one calls. There is no way to opt out or get my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address discrepancies in my account, Navy Federal Credit Union has failed to respond, violating FDCPA Section 805 ( c ). Additionally, my request for verification of the debt, as per FDCPA Section 809 ( b ), has gone unanswered. The account was charged off without resolution, potentially constituting an unfair practice under FDCPA Section 808 ( 1 ). Despite the chargeoff, Navy Federal Credit Union still retains the title associated with the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i provided a ftc report to show items were not mine. they removed some not all items and did not updated addresses remove old addresses and names. his is affecting me and my livelihood. i need something done now

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 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I took out a personal loan from American Express at the end of XX/XX/2023. The monthly payments as indicated on the Truth in Lending disclosure are {$620.00}. My first payment was due on XX/XX/XXXX, and the amount indicated on the bill was {$790.00}. I contacted Amex twice in XXXX about the discrepancy. They indicated they were aware and would resolve it, and to pay the amount indicated on the truth in lending disclosure by the due date. They would resolve it and I would not be liable for any late fees. 

I made the payment for {$620.00} on XX/XX/XXXX as required. I have a late fee on my account of {$39.00} as well. I called Amex again this evening, and they still tell me they are aware of it and it will be resolved, but I have very little confidence in this. At this point, I am concerned about my account being reported as delinquent / late to the credit reporting agencies. I have called Amex XXXX times in XXXX weeks, each time being assured that they would resolve this discrepancy but there has been no progress. They are billing me more than agreed upon in the Truth in Lending statement and not offering a timely resolution. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Santander Bank account to fraudulent investment firm ( s ).

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 2023-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at Toyota in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. Toyota collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. Toyota said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with Toyota or the collection agency XXXX XXXX , XXXX. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX Toyota XXXX. The suspects are currently in XXXX and awaiting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal Fraudulently opened a checking and savings account in my name without my consent. All charges on this account or accounts are fraudulent. The IP address used to login to the account doesnt match my IP address, the email address used to register the account doesnt match my email address. The cards werent ever sent to me. I didnt sign any applications nor have given my authorization to PayPal to open said accounts. PayPal proceeded to fraudulently link several banks and accounts and cards to this fraudulent account. PayPal then proceeded to falsely accuse me of opening these accounts based on their analysis. None of these Debit cards match any of my accounts nor cards. They allowed funds transfers without my consent. Again I never had access to these accounts. These accounts listed are fraudulent bank accounts and have been closed due to identity theft as proper protocol. PayPal says they verified these and then later said they are having a problem verifying the cards linked. PayPal charges these accounts over {$5000.00} in identity fraud charges. PayPal refuses to close the account and said they cant speak to me about the matter. Yet PayPal has yet to provide proof I signed any application or granted my authorization. PayPal transferred these funds and PayPal authorized these accounts. I have not signed any applications and my consent was not granted to open the fraudulent accounts. Im a victim of identity theft and the email address XXXX IS FRAUDULENT. XXXX XXXX XXXX. PayPal is now attempting to collect this debt which I never obtained. I did not receive any monetary benefits from these accounts and I want them closed as fraudulent applications. I will not pay this collection agency and I am disputing this debt which is in my legal rights. PayPal has an obligation as a financial institution to research and resolve identity fraud. Yet this fraud was caused by PayPal. Opening accounts without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM

Complaint narrative:
Ive been trying to modify for over a year and a half they keep asking for payment stubs and letters I have provided everything I am now in bad debt XXXX and my credit is bad due to this rotten company. I have called several times and asked for manager to call me back. I have gotten nowhere with them, they are just making me XXXX XXXXn their water

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 2023-12-07 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: GA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-07 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: GA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-12-07 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-07 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
So I revived an email from my school email saying I got the job. I did apply for an assistant helper. I was excited since I been unemployed for over a year and been looking for a job so I didnt thought anything of it. He sent me a check for XXXX I deposit and did the XXXX to the person he told me to sent to.Later 2 or 3 days I see the check was return back so I said like why you return the check thats when I figure I got scam so I went right away to my PNC bank. I told them everything I went XX/XX/XXXX. They did the whole dispute was just waiting to hear back I get a call XX/XX/XXXX that they dispute the XXXX but the account is going to stay - {$740.00} and if I dont pay by the end of XXXX they will close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i sent them an identity theft affidavit and nothing was done. they are aware its not mine. Per the section XXXX a XXXX once they learn its nt mine it should be removed. this is causing me hardship. i need resolution now. Its not fair,

Company response to consumer: Closed with non-monetary relief