vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I need to update my address based on the settlement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My information has been exposed in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im unable to access my funds online and my bank account is going to shut down due to suspicious activity because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX Authorized Agent : 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 Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, DE XXXX Subject : Demand for Immediate Cease of Debt Collection and XXXX  Out of Account - Debt Amount : {$4400.00} ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the validity of the debt in the amount of {$4400.00} that is allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and being pursued by Transworld Systems Inc. ( TSI ) . I am requesting immediate cessation of all collection efforts on this account for the following reasons : 1. Lack of Legal Ownership of the Debt It is my understanding that XXXX no longer owns the receivables in question, as they have sold all of its right, title, and interest, if any, in the receivables existing in the initial accounts that XXXX owns, which have been inevitably transferred to the XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, XXXX  is not an eligible servicer under the current Fourth Amended and Restated Pooling and Servicing Agreement, dated XX/XX/XXXX, and therefore can not legally perform servicing functions on behalf of the trust. As such, XXXX does not have the legal right to c

ollect on the debt or sell it to third parties, including Transworld Systems Inc. It is unlawful for a party to attempt to collect or transfer the collection rights of a debt they do not own. 2. The Trust Is the Legal Owner of the Receivables As per the AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT dated as of XX/XX/XXXX, the receivables related to this account have been legally transferred to the XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is the designated servicer for the trust. XXXX, being merely the account owner, does not possess the authority to directly collect the debt or transfer it to third-party collectors like Transworld Systems Inc.. Any collection actions taken by XXXX or its agents ( including TSI ) are unauthorized and in violation of the terms set forth in the transaction structure.

3. FDCPA Violation As XXXX  is not the legal owner of the receivables, it is engaging in ultra vires ( beyond its legal authority ) acts by attempting to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited for debt collectors to misrepresent the ownership of the debt or to collect on a debt they have no right to pursue. By continuing to engage Transworld Systems Inc. and its affiliates in efforts to collect on this debt, XXXX and TSI are violating the FDCPA by misrepresenting their legal right to collect and potentially harassing me over an illegitimate claim.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To whom it may concern, XXXX has created a ( perhaps deliberately ) broken system for purchasing seat selections. They falsely converted my purchase of a seat into a bid for a seat- wherein I was on the hook for the purchase amount if the seat became available, even though at language on the transaction page described it as an instant purchase. 

I emailed XXXX for support on XX/XX/year>, and have included a screen capture of that. The agent advised that he couldnt cancel my bid and I explained I hadnt placed a bid, I agreed only to a purchase. He advised that the gate agent at the airport sell me the original seat I had purchased if it is available once I am at the airport. I inquired at with the gate agent and they were in fact able to sell me the seat I had originally purchased, and I was told the transaction for the unused seat would be refunded.

I took screen captures of their flawed check out system for upgrading seats. I never bid on anything. As shown on page one, I selected the
Upgrade now for {$450.00} USD button.

Clicking that button brought me to Page two, summarizing my purchase as an instant upgrade and NOT a bid. After providing my AMEX platinum information on Page two, I was brought to Page three, which showed that I had placed and Upgrade request and that I was Not Upgraded. 

I never agreed to pay {$450.00} to place a bid on upgrading, as you can see. After this happened I went through the same process by returning to Page one and scrolling down to an identical graphic dedicated to upgrades to exit row seats. I went though that, and rather than bidding, I clicked the button for Upgrade now for {$90.00}. At that point I had an active upgrade request of {$450.00} for the premium cabin that I never actually placed, and a simultaneous bid for a {$90.00} exit row seat.

They can not field two bids for different seats for one passenger and then accept both and charge me for both.

I took a video screen capture of the whole check out process because it was broken, Let me know if youd like to review that. The video confirms that these screen captures are indeed in sequence, and that they falsely categorized my instant purchases as bids. 



Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am writing to dispute the validity of the debt you claim I owe, I received your email indicating that I owe {$11000.00}, {$270.00} and {$710.00} by GENESIS CREDIT MANAGEMENT XXXX I believe there has been a mistake, as I have no record or knowledge of such a debt. I am confident that this matter can be resolved amicably and appreciate your prompt attention to this dispute. I expect a timely and accurate response from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: OH

Complaint narrative:
I Filed a Complaint with the CFPB # XXXX on Equifax and Equifax came back and said everything was reporting correctly on XXXX XXXX. Which is not, they are reporting Incorrectly ( Equifax ) is reporting Payment made XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> payment of {$37.00} each month. This is incorrect reporting again. They said it was correct but it is not. I ran my credit report from Equifax on XXXX to have proof of the incorrect reporting that they reported to the CFPB that it was correct. ( see attached report ).

Also according to the FDCPA this item must be listed as Disputed debt, which it is not ( see credit report ). I feel I need to take this to the next level and get a lawyer involved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express performed a charge off on my personal credit report for {$720000.00} that was fraudulently conducted by another person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. On the same day, I returned the device in full compliance with XXXX  return policy. Despite the return being processed by XXXX, I have not received the corresponding refund to my bank card, which was used for the original purchase.

I filed a dispute with wellsfargo to resolve the issue and provided all necessary documentation to support my claim However, my dispute was recently closed without a proper investigation which includes a 90 day period, and I believe it was based on prejudice rather than a fair review of the facts. I am deeply concerned that my claim was closed prematurely and without sufficient investigation or consideration of the evidence I submitted. The decision to reject my dispute seems unjust, and I have not received a clear explanation for why my refund has not been processed or why my claim was dismissed. As I followed the proper procedure, I find it troubling that my case was handled in this manner.

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 2024-12-24 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to resolve issues with fraudulent accounts and incorrect personal information on my credit report, but despite mailing and calling several times, there has been no progress.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to resolve issues with fraudulent accounts and incorrect personal information on my credit report, but despite mailing and calling several times, there has been no progress.

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 2024-12-24 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: TX

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report that I cant explain. I checked as usual, but this time there were unexpected discrepancies. I refreshed the browser, thinking it might be a glitch, but nothing changed. These inquiries are still there, and I need the documents Ive submitted to be reviewed immediately to put my mind at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
imagine credit card charged me with outrageous fees and interest for being late even after explaining my financial problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had a mypay feature in my chime account that was disabled without my authorization by a specialist while I was on the phone with them now when I called to receive my funds back and told me I needed to pay a additional XXXX and wait 3 days to get the feature back which didnt guarantee my money back they did nothing but hung up on me several times without providing appropriate help and kept talking in circles and giving me false information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX XXXX Authorized Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact : XXXX XX/XX/XXXX American Express National Bank ( AENB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Demand for Immediate Cease of Debt Collection and XXXX  Out of Account - Debt Amount : {$4400.00} ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the validity of the debt in the amount of {$4400.00} that is allegedly owed to American Express National Bank ( AENB ) and being pursued by XXXX XXXX XXXX ( XXXX XXXX . I am requesting immediate cessation of all collection efforts on this account for the following reasons : 1. Lack of Legal Ownership of the Debt It is my understanding that AENB no longer owns the receivables in question, as they have sold all of its right, title, and interest, if any, in the receivables existing in the initial accounts that AENB owns, which have been inevitably transferred to the American Express Credit Account Master Trust. Additionally, AENB is not an eligible servicer under the current Fourth Amended and Restated Pooling and Servicing Agreement, dated XX/XX/XXXX, and therefore can not legally perform servicing functions on behalf of the trust. As such, AENB does not have the legal right to collect on the debt or sell it to third parties, including XXXX XXXX XXXX. It is unlawful for a party to attempt to collect or transfer the collection rights of a debt they do not own.

2. The Trust Is the Legal Owner of the Receivables As per the AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT dated as of XX/XX/XXXX, the receivables related to this account have been legally transferred to the American Express Credit Account Master Trust, and XXXX ( American Express Travel Related Services Company , Inc. ) is the designated servicer for the trust. AENB, being merely the account owner, does not possess the authority to directly collect the debt or transfer it to third-party collectors like XXXX XXXX XXXX Any collection actions taken by AENB or its agents ( including XXXX ) are unauthorized and in violation of the terms set forth in the transaction structure.

3. FDCPA Violation As AENB is not the legal owner of the receivables, it is engaging in ultra vires ( beyond its legal authority ) acts by attempting to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited for debt collectors to misrepresent the ownership of the debt or to collect on a debt they have no right to pursue. By continuing to engage XXXX XXXX XXXX and its affiliates in efforts to collect on this debt, AENB and XXXX are violating the FDCPA by misrepresenting their legal right to collect and potentially harassing me over an illegitimate claim.

Company response to consumer: Closed with non-monetary relief