vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: MD

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation Information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on your consumer report You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was charged off on the following date : XXXX, 2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX, account number : 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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase XXXX  Sapphire Preferred Credit Card and Card Benefit Services Tel : XXXX opt. XXXX XXXX XXXX XXXX XXXX, VA XXXX Claim # XXXX [ # XXXX ] XX/XX/XXXX booked ( XXXX ) airline tickets through Chase XXXX for departure XX/XX/XXXX XX/XX/XXXX my wife suffered XXXX XXXX had to have XXXX in XXXX XX/XX/XXXX Attempted to cancel tickets but Chase XXXX stated ( verbally ) wait until XXXX and can extend tickets another year. 
XX/XX/XXXX Called Chase XXXX and informed tickets could be extended. Chase contacted airline and cancelled tickets, but airline charge {$900.00} termination fee. 
Chase referred me to Card Holder Services. Claim filed XXXX with card holder services. 
Provided Dr . Note stating my wife could not travel with claim.

Since XX/XX/XXXX have had numerous phone calls with both Chase XXXX and Card Holder Services giving me the run around. 
XX/XX/XXXX Chase XXXX credited my account {$4400.00} and debited {$900.00} this transaction provided XX/XX/XXXX to Card Holder. 
XX/XX/XXXX email received from Card Holder requesting evidence on credit card points being refunded. Credit card statement provided showing point refunded.

I am very frustrated with the continuous run around from both Chase XXXX and Card Holder Services. The {$900.00} claim is still open. Im certain this company will continue to give me the run around indefinitely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft in which my purse & all it's contents : ( Birth Certificate, Social Security Card, & State-Issued Photo ID ) were stolen. Since then, I've been having trouble " opening an account '' & have been " declined '' at EVERY Banking Institution I've applied to. Recently I was told that my social security # is " FLAGGED '' in " Chex Systems '' & that there's two ( 2 ) different banks ( " XXXX XXXX XXXX XXXX' & " XXXX XXXX '' ) showing attached to my social security # that I, myself, did NOT have anything to do with. Someone else made those attempts with those banks committing " Bank fraud '' on top of " Identity theft '' initially. I need the " flag '' removed from my social security # & then it completely removed from the banks " Chex System '' altogether. I am not the individual who's responsible for making any " attempts '' with the two ( 2 ) banks showing on my social security #. It was indeed someone else who had access to my stolen Self-Identitying documents. I should be able to be " approved '' to " open an account '' with ANY Banking Institution of my choice as I have not committed ANY " Bank fraud '' nor ANY type of " fraud '' whatsoever ever in my life & have absolutely NOTHING to do with the two ( 2 ) banks showing attached to my social security # in the " Chex System ''. I need this investigated & resolved ASAP. I can be reached @ : XXXX any time during the day.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX \nSubject : Notice of Dispute and Request for Debt Validation\nAccount Number XXXX XXXX/COMENITY/XXXX XXXX To Whom It May Concern : I am writing to formally dispute the alleged debt associated with the above-referenced account. I do not recognize this debt, and I deny owing any amount to XXXX XXXX XXXX. Prior to this letter, I requested debt validation from the original creditor, but they failed to provide it and instead referred me to XXXX XXXX XXXX Given these circumstances, I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following documentation : 1.Proof of Debt - A complete and itemized validation of the debt, detailing the amount allegedly owed and a breakdown of any associated fees, interest, and charges.

2.Proof of Ownership - A copy of the purchase agreement or assignment of the debt from the original creditor to XXXX XXXX XXXX to substantiate your authority to collect this debt.

3.Licensing and Bonding Information - Proof that XXXX XXXX XXXX is licensed and bonded to operate as a debt collector in [ Your State ]. 4.Full Disclosures - Any other documentation in your possession that supports your claim of this debt, including the name and address of the original creditor and any contract or agreement that establishes an obligation for me to pay.

5.Reporting Information - Confirmation of whether this alleged debt is currently being reported to the credit bureaus by XXXX XXXX XXXX or if the original creditor is still reporting it. I also believe my rights have been violated through misleading, false, and deceptive representations regarding this debt, which raises further concerns about the legitimacy of your claim.

Additionally, I would like to inform you that, to the best of my knowledge, the statute of limitations on collecting this debt has expired in [ North Carolina ]. If this is indeed the case, you are no longer legally permitted to attempt to collect or take legal action on this debt.

Until you provide the requested documentation validating this debt, I am requesting that you cease all collection activity related to this account, including communications with me, as well as any credit bureau reporting on this debt. If this alleged debt is currently being reported, you must notify the credit bureaus that it is in dispute.

Please respond within 30 days of receiving this letter. Failure to provide the requested information will be taken as confirmation that you can not validate this debt, and I will consider the matter a further violation of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My husband and I opened this joint personal savings account # XXXX on XX/XX/year>. We specified that we are a legally married man and woman and want a joint marital savings. TD Banks XXXX XXXX did not listen to our instructions or want to recognize our marriage as our legal relationship and proceeded to create the account treating us as two separate adults. She placed my husband in the first position on the account. We asked the reason for the TD hierarchical structure policy of positioning a married couple on a joint account? We were told : the first position is recognized for IRS tax liability and interest reporting We would like TD Bank to identify the specific IRS tax codes and US Federal/NY State Banking regulations that authorizes TD to induce a hierarchical order on a personal joint savings account? In addition, we want TD to identify the US Federal and NYS State Domestic relation laws that authorize TD to impose their patriarchal ideology by creating a ranking order ( 1 male, 2 female ) upon married joint account owners?

We want answers to our questions the TD staff at the local branches do not want to answer.

1. Why are we receiving quarterly statements in the mail for our personal savings account instead of normal monthly statements?

Details about source of funds deposited 2. Identify the 1st bank and their account number for the XXXX XX/XX/year> ACH deposit of {$980.00}. Whos name ( s ) on our account did the 1st bank issue the XXXX refund to? 
3. Identify the 1st bank and their account number for the XXXX XX/XX/year> ACH deposit of {$4.00}, XXXX Whos name ( s ) on our account did the 1st Bank issue the IRS TREAS 310 TAX REFXXXX  AS ACH DEPOSIT to?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: LA

Complaint narrative:
IQ Data International contacted me regarding charges for an apartment I previously rented at XXXX XXXX. I left the apartment in good condition, as verified during a final walk-through with management, who confirmed my remaining rent would be deducted from my deposit and noted no further charges. However, six months after moving out, I received a charge of {$730.00} for blind replacements. Then, another six months later, I was charged {$2100.00} for carpet replacement. I am disputing these charges, as there was no damage caused by me, and no issues were noted at move-out. 

Recently, IQ Data International representatives began calling my work phone, threatening to report these charges to my credit and stating they would continue to contact me if unpaid. I have requested clarification and a review of these charges, as I do not consider myself responsible for these fees, given my adherence to the move-out procedures and their confirmation of the apartments condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCB/XXXX Account # XXXX. received letter from creditor saying that all late payment history has been deleted and there are no delinquencies being reported but when I looked at my current reports All 3 reports do not match. Also there are late payments being delinquently reported in the status of XXXX and XXXX. this is in violation of 15 us code 1681e ( b ) I demand immediate removal of delinquencies and correction of report status.

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 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Village Capital & Investment LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX another % XXXX XXXXXXXX XXXX All I can say is RUN!!! Our mortgage sold to this company after buying our house and we did not get a say in the matter. We are currently looking for a new mortgage company. I am also like many of the other reviews, I wish we were able to give negative stars for this crooked company. We were told by our loan XXXX XXXX XXXX we would not have to make XXXX or XXXX payment and he would contact us to schedule the notary for sometime between XX/XX/XXXX - XXXX time frame. I hadn't heard anything so I called XXXX the XXXX to find out what was going on. I was told the Fed took a turn in the wrong direction and we weren't going to be able to close this month, and that {$2000.00} dollar payment that was due XX/XX/XXXX, needed to be paid. But hey it gets better they are willing to waive the late fee as long as I pay before the XXXX. XXXX has XXXX  days in it XXXX XXXX. Yes after dealing with XXXX we asked to speak to his supervisor, which is even more difficult to deal with XXXX XXXX. He is for sure XXXX of those that thinks he is always right no matter how many times you prove him wrong. It is my VERY STRONG opinion that both of these individuals need to be fired. If your dealing with either XXXX record everything, they are incapable of being truthful. I asked XXXX for his supervisors contact information and was told numerous times it was the owner of the company. I am a XXXX  % XXXXXXXX XXXX that has fought for this great country so that guys like this can disrespect me and my wife on the phone and talk down to us so they can make their selves look better. So now we are stuck trying to figure out how we are going to make XXXX payment, XXXX and XXXX totaling {$4000.00} dollars right before XXXX hits. Thanks guys, really thanks. I plan to post this any and everywhere I can think of in hopes it goes viral. Please help me spread the word about these XXXX and this company that continues to employ people of this caliber. I feel that the XXXX months in question should at a bare minim should be rolled to the end of the loan to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This is a fraudulent account, and i have identity theft report and a official police report In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission.

Thank you for your attention regarding this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
My credit report contains fraudulent items that I never authorized or benefitted from. This misrepresentation is damaging to my character and deeply insulting, and I feel my rights are being disregarded, which is incredibly distressing. Although Ive already reported this to the Federal Trade Commission, the items remain on my report. Its disappointing that the system designed to protect individuals like me has yet to provide a resolution.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account.

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: VA

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 XXXX USC XXXX. 

XXXX U.S.XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 non-monetary relief