vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
In reference to Complaint # XXXX, PRA remains dishonest and does fail to provide any of the documentation requested. PRA is ignoring relevant facts, and continues to harass me, causing an immense amount of emotional distress in my life, ever since they started with this unproven debt back in XXXXXXXX XXXX XXXX. BLANK STATEMENTS do not proof that I owe a debt, I have made that as clear as possible, and yet PRA continues to send BLANK STATEMENTS. In a debt collection case, the plaintiff ( PRA in this case ) must prove they own the debt they're attempting to collect. Merely presenting bank statements showing transactions related to the debt does not necessarily establish legal ownership of the debt. The plaintiff typically needs : A valid contract or assignment agreement showing the transfer of debt ownership. 
A chain of title for the debt, particularly if it has been sold multiple times. 
AT ALL TIMES REUQUESTED PRA HAS FAILED TO PROVIDE THIS DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is obfuscating the current balance due to pay off a credit card account. 

On XX/XX/XXXX, I made a payment for the full amount that was displayed as the current balance for the account. However I received a bill for the next cycle. This bill was for additional interest charges. 

I thought I may have missed something when making the payment so I was about to make a new payment for this bill. But this would not have paid off the account. Thankfully I called Capital One to find out there was a larger amount for the pay-off than the one displayed. This pay-off amount is not displayed in the app or the website ; I could not find it there. There was also no indication that the displayed amount was not the actual complete balance to pay-off the account. 

This is an obfuscation of information that leads a customer to incur additional interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-05 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: VA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Since XX/XX/year> I have seen this company on my credit I have sent them a cease and desist with attempt of damaging my credit. Send verified proof of the wet signature. I am not even aware or know or have knowledge of the company the are trying to collect from. Have sent multiple dispute through experian stated this isnt me and even the address they have on file isn't mine. I am also on extended fraud alert when my all my credit cards where stolen. And even the copy of the police report when my XXXX XXXX XXXX  was sleep and the cards where stolen. There was a FCRA investigation on my report. They have called numerous times over the year. And being hostile towards me. Since they on the XXXX, calling to XXXX at odd times. I explained to them under the Fair debt act sec 802 the use of unfair debt practice. My old neighbor was question stated they was filing a lawsuit trying to gain knowledge of new address. I asked for a debt validation letter, and asked them through a letter and on all bureau stop contacting me in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Filed a dispute # XXXX on XX/XX/XXXX XX/XX/XXXX RE : Acct # : XXXX Merchant Name : Multiple Transaction Date : Multiple Total Amount : {$1100.00} It has been over 90 days and no resolution, I was also recently awarded credit for a related dispute that i filed 2 days after the dispute XXXX. 


RE : Acct # : XXXX Merchant Name : XXXX Transaction Date : XX/XX/XXXX Total Amount : {$60.00} Disputed Amount : {$60.00} From the same merchant, Sofi is has been giving me the runaround for dispute XXXX i suspect because its for alot more money {$1100.00} My complaint is about dispute XXXX for XXXX not being settled in 90 days and the proof i sent to them was the related disputed for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-05 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: TX

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. I did not authorize anyone to access my report or make these inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-05 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Lo and behold, flagstar bank and their cohorts XXXX XXXX XXXX are at it again, after surviving Flagstar bank dual tracking plot with XXXX XXXX tagging alone for the ride and only after I filed a complaint it seemed on the surface they were on the right track well it appeared to be. What's going on now? 1. I was told by XXXX XXXX XXXX from the office of the the President of Flagstar bank that the foreclosure is called off and I was also sent documentation that states I have certain rights and one of the right was that I am still able to sell the home if I wanted too. 2. I called Flagstar bank and requested a payoff request near XXXX and did not hear from or received any request by mail for over 2 weeks, so finally I had enough waiting and called Flagstar bank to see what's the delay for the request. I was told and I am not lying that they must have sent it to the wrong email address oh I am not kidding that is what I was told and then they had the nerve to say I have called in one day and changed my email, now this is the same deceitful behavior I had to go through with the loss mitigation process.3 To add on to the other mischievous acts I was told that Flagstar doesn't have my file and that XXXX XXXX has my file and when I called XXXX XXXX I was told that they dont have anything and that their job is just to make sure Flagstar bank XXXX their record keeping right that's it. I was told by XXXX XXXX of XXXX XXXX that they don't have control of my mortgage or file that Flag Star is referring to and he also told me and he quoted " all Flagstar bank have to do is call XXXX XXXX and call off the foreclosure and that's it. '' I had informed him that Flagstar stated that the foreclosure was off. Right now this is what I am being see sawed with between XXXX XXXX and Flagstar bank. 4. Every representative that call Flag Star bank on my behalf keeps forwarding them to XXXX XXXX for a payoff request. I think I see what's going on between the lines XXXX XXXX wants me to pay for a Sheriff sale that have not happened and will not happen and for other miscellaneous actions that have not happened. Flagstar and XXXX XXXX partnering in unlawful tactics. Just stop the lies and unfairness.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This was an item I do have one that is correct. I was trying not to overdo but find out if it was during the same time frame as other places on all 3 reporting agencies so I only wanted to ask. I in this area had mail at my residence. If it was a different timeframe it is possible but if it has no impact I can not know if as with other places if it is opened by someone with my information. It is possible but if it does not impact either way I am unsure. Meaning likely not. But if they do have something that shows that it was mine that is fine. Not a complaint but unlikely to have more than one in same area if same time frame as mentioned it would be before legal name change. Thank you

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 2024-12-05 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 EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-05 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Details of the Complaint : I am submitting this complaint regarding Chase Bank 's refusal to fulfill a {$300.00} statement credit offer that I qualified for. The issue arises from Chase citing an internal policy that was not disclosed to me as a consumer when I accepted the offer. This internal policy contradicts the explicit terms and disclaimers within the offer details provided at the time of acceptance. 

On XX/XX/year>, at XXXX XXXX  CST, I spoke with a Chase representative for a total of 16 minutes to address this issue. During the call, I clearly outlined that I had met all the terms and conditions of the offer and requested for the matter to be escalated. I explicitly asked that the escalation ensure I am provided the promised {$300.00} statement credit in alignment with the offer details and disclaimer. Despite my efforts, I have yet to receive confirmation that Chase intends to resolve this issue. Furthermore, Chase 's system claims that I did not add the promotional offer to my credit card in time. However, I distinctly recall adding the offer to my profile on the same day and prior to the qualifying purchase being made. 

Key Points : The offer clearly outlines the conditions for earning the {$300.00} statement credit, all of which I have satisfied. 
The internal policy Chase references was not disclosed in the offer details, disclaimers, or during any communication prior to my acceptance of the offer. 
Chases refusal to fulfill the credit is both misleading and contrary to the terms presented to consumers. 

Supporting Documentation : I have attached the following documents to support my claim : A copy of the original offer, including terms and disclaimers. 
Communication records between myself and Chase, including their denial of the credit. 
Proof of my compliance with the stated offer terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act 15 USC 1692G, on XX/XX/year>, I requested AmSher Collection Services to provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Verification that you are authorized to collect this debt ; 4. A complete payment history of the debt ; 5. Has there been any insurance claims found on this debt ; 6. Proof that the statute of limitations has not expired on this debt ; 7. A copy of any agreement I signed agreeing to pay the debt ; and 8. A copy of any judgment against me if applicable. I also requested the information be provided within 30 days of receipt of this letter, as required by 15 USC 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation