vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
This response is a follow up to the previously addressed response from Real Time Resolutions via the CFPB on XXXX   ( see attachment ). I previously asked you to provide verification of this debt that you failed to address completely. Therefore, I am addressing this issue yet again. Please send me the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including : a copy of the last billing statement from the original creditor a detailed explanation of any interest added or payments made since the last billing statement the legal authorization for this interest, the date the original creditor claims this debt became delinquent the purchase agreement from your company and the original creditor. The original contract from the creditor with my wet ink signature Please also note whether this debt is within the statute of limitations and how that was determined. Per the FDCPA, and FCRA laws, you must provide this information in its entirety to me in 30 days. In addition, I received an email from Real Time Resolutions today and I am requesting all communication to be ceased except for written correspondence to be sent to me via the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
Regarding : EASYPAY FINANCE COMPANY The debit originated from a needed car repair. The charge for the car repair was {$2100.00}. After XXXX payments of {$120.00}, I contacted the company and found out they are charging XXXX XXXX interest and {$6.00} per XXXX  in fees. According to the representative the only way to obtain a copy of the contract is to setup an account and login to obtain the contract. I did as instructed, and much to my surprise, there was no contract to be viewed the account showed {$0.00} owed and no future payments. The company is still requesting biweekly payments from my account and they say I still owe a balance of {$1000.00}. 
Is it legal to charge XXXX XXXX? When I signed the contract I had XXXX XXXX interest for XXXX XXXX. At the time of the contract signing I verbalize I won't be able to pay the debt off in XXXX XXXX, so what will my payment amount with interest ( which was not XXXX XXXX  ) be? The interest I agreed to was XXXX XXXX The payments calculated to {$120.00} biweekly with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I sent by registered mail, a letter to JP Morgan Bank on XX/XX/year> for which I haven't received a response from them. 
The letter outlined concern of fraudulent transaction to XXXX XXXX XXXX XXXX XXXX XXXX. 
I sent funds to a bank account at JPMorgan Chase bank following the instructions from Fiatvisions who are conducting as a scam. 
A total of {$110000.00} CAD from my XXXX account was sent to a bank account XXXX JPMorgan Chase Bank. The beneficiary of the transactions is XXXX XXXX XXXX XXXX who provided me no services or goods in exchange for this money. I request Chase Bank to verify the transactions at their end and reverse the fund to my bank account as the money belongs to me and was taken from me through manipulation and faulty advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NJ

Complaint narrative:
Experian is reporting inaccurate accounts and information on my consumer report in which I request them to investigate these accounts. I reached out to the creditors and asked them to verify anything that theyre reporting on my credit report. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt so how does this debt belong to me? How can I owe them a debt if there was a mutual agreement set in place? What documents does Experian have that " verify ' this debt belong to me? I understand that it is XXXX duty to do whats fair and equitable for the consumer and I am asking them to thoroughly investigate these and remove anything thats unverifiable, inaccurate or under violation. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter with the inaccurate accounts and information listed. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2024-01-22 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: Kriya Capital, LLC
State: MI

Complaint narrative:
Sent letter to both the creditors and furnishing companies XXXX, did not recieve a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NY

Complaint narrative:
A letter was mailed on XX/XX/2024 to Westlake Financial Services requesting specific documentation. Please review the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I repeatedly have asked for the final bill from XXXX. I left the company owing {$610.00} this was the amount showing in my XXXX app. After I left XXXX I lost both access to my account information and my ability to make regular payments. I have spoken to XXXX on the phone and via email to get an accurate balance. I've also asked then via email why the final balance is greater than it was before I left and to explain it. Not only have they never responded with the information, neither responded to my request to make payment arrangements for the balance... they just sent my account to COLLECTIONS for an exaggerated amount. 
I opened an email from IC systems over the weekend and had to check ( 2 ) acknowledgement boxes BEFORE they would let me access the screen that showed how much they say I owed which I do not accept. I do not owe an over {$900.00} dollar balance. They are trying to extort money from me and other consumers according to an existing lawsuit and settlement which is actively being adjudicated. My account does not belong in collections and they better not try and report this to the credit agencies as I have not be allowed to 1 ) access the system to pay the balance myself 2 ) make monthly payment arrangements to settle the 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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue. I have already submitted a complaint with CFPB but they called and did not provide what I needed still. they are still refusing to provide what I want only give me email and websites to go out and fill a bunch of paperwork out. No resolution at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Credit reporting act the list of accounts below has violated my federally protected consuer eights to privacy and confidenitality stated on credit laws anything on my credit report should be concent by me only should given any eport with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Examine the attached documents. I request the bureau to initiate an inquiry into these accounts, as I am consistently punctual, yet they are inaccurately reported as late.

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 2024-01-22 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: WA

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 told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Potentially XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX negativeDate XXXX $ XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXPotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. $ XXXX account. $ XXXX XXXX XXXX XXXX XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX inquiriesXXXXInquired XXXX record untilMay XXXX XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXXXXXX XXXXInquired XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record XXXX XXXX XXXX record untilJul XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. XXXX has refused to do so. On XX/XX/23, I called XXXX and spoke to an agent named XXXX who refused to provide me with an Employee ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I called NewRez To ask what was my pay off balance, Representative that I spoke to informed me that balance was the same as my principle balance I then informed her that I new the process and that it could not be the same balance. I asked to speak to a pay off department, Representative told me they had no pay off department and then said I could speak to a mortgage adviser. I was transferred and while I was explaining situation they disconnected the call. I called back 12 more time and they did not answer the phone. I received their explanation of what the payoff amount would be, which is totally incorrect. They are not removing the seven years, which would be left, on our thirty year mortgage. I am sure that you are aware of this company, NewRez LLC. 
has numerous class action law suit pending against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Delete this accounts on my credit report

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 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: WA

Complaint narrative:
I received a letter from MOHELA on behalf of XXXX XXXX XXXX on XX/XX/XXXX stating the balance of my two loans with XXXX. of XXXX ( XXXX and XXXX ) were at ZERO balance and that my XXXX XXXX XXXX XXXX application was processed and approved. After waiting 90 days, I checked my credit report ( s ) and my reports are still showing an open account with a balance of {$48000.00} as of XX/XX/XXXX. This error from XXXX XXXX XXXX is affecting my credit report negatively and may unfairly disqualify me for future financial exchanges. I request XXXX XXXX XXXX immediately notify ALL credit reporting agencies to accurately reflect the balance and status of my student loan account, account number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
AMEX Account # : XXXX Date Opened : XX/XX/year> XX/XX/year> XX/XX/year> High Credit : {$30000.00} {$30000.00} {$0.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to transunion on XX/XX/XXXX XXXX to validate XXXX XXXX. I asked for a validation of debt owned and got no response within 30 days transunion stalled back and sent me a email saying nothing was done and that i can only dispute through them personally, even after sending supporting documents to prove my identity to them!! On XXXX XXXX i sent another letter and told them Under federal law ( 15 U.S. Code 1681i ). They CAN NOT DO This, and they must respond to my letters and I still havent gotten a response As of XX/XX/year> 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