vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe.

In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor.

2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt.

3. Itemized Breakdown : A complete and itemized statement of the alleged debt, including the original amount, any fees or interest applied, and the current balance.

4. Original Creditor Information : Complete contact information for the original creditor, along with a copy of any billing statements or other communications sent by them.

5. Proof of Compliance with State Laws : Any documentation verifying that you are licensed to collect debts in my state of residence and that the statute of limitations for collecting this debt has not expired.

6. Reporting to Credit Bureaus : Documentation showing that the debt has been reported accurately to any credit reporting agencies, including the dates of reporting and any disputes noted.

By law, you are required to cease all collection activities and communication with me until you provide all of the requested information. I await your response.

Please note, any failure to provide sufficient validation within the legally required time frame will result in your claim being considered invalid, and I will demand that you remove all references to this alleged debt from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
Dear CFPB, I am writing to bring to your attention the unauthorized withdrawals that have been made from my account without my consent starting XX/XX/XXXX XXXX XX/XX/year>2024. I recently noticed several transactions on my bank statement that I did not authorize or recognize. These withdrawals have caused financial strain and disruption to my personal finances.

I have contacted my bank ( Current ) to investigate these unauthorized transactions, but I have not received a satisfactory resolution. My claim was denied but when I asked to see why ( documents/explantion ) nothing was provided. I am seeking your assistance in resolving this matter and requesting a thorough investigation into these unauthorized withdrawals. I would appreciate your prompt attention to this issue and any support you can provide in recovering the funds taken from my account.

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
MY INFO WAS EXPOSED IN A DATA BREACH. RIGHT TO PRIVACY 15 U.S.C CODE 1681 false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages.

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 2024-12-27 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: NJ

Complaint narrative:
Hello, I would like to file a complaint against the Credit Bureaus XXXX XXXX Equifax, due to not properly assisting me. I notified the companies XX/XX/XXXX, in regards to a company named XXXX ( Formerly XXXX ), falsely reporting my account 30-59 late. The Credit Bureaus left the negative remarks on my credit report, after I advised them that XXXX sent emails stating my due date was different from the previous one. In addition, I submitted evidence supporting my dispute. The company sent an email stating my payment was due on XX/XX/XXXX, which i submitted a payment XX/XX/XXXX. However, when i submitted the payment, XXXX stated it was due XXXX and that I was over 30 days late. I advised the company that I received an email stating my payment was due in XXXX. Also, I stated that a representative in XX/XX/XXXX, stated my due dates would change, as the result of me being on the hardship program. I hope this issue can be resolved, as it has caused me a great deal of stress, due to my credit score has gone down over 30 points & having to file disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I am reaching out to request an investigation into these accounts, as there seems to be confusion regarding their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I have not been informed of this change, nor have I received any related notifications by mail.

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 2024-12-27 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-27 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: DISCOVER BANK
State: OH

Complaint narrative:
My Ex opened multiple credit cards without my knowledge  

Account info
Account name
DISCOVER BANK
Account number
XXXX  Account type
Credit card
Responsibility
Individual
Date opened
XXXX
Status
Paid, Closed.
Status updated
XXXX XXXX
Balance
-
Balance updated
-
Recent payment
-
Monthly payment
-
Credit limit XXXX
Highest balance XXXX
Terms
-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to deposit my cash which was {$1100.00} to chase bank atm in XXXX XXXX, IL and the atm took my cash printed a receipt showing to call XXXX number which I did and I filed a claim which was on Friday XXXX and on Monday XXXX they denied my claim because they did not find any evidence of error in the atm machine!! I was furious and frustrated because I waited for 10 min after i deposited my money and after I left the atm their was another car behind me she couldnt use the atm either so she left right away and after I went to the bank teller that same day and she advised me to call the number on the receipt and its XXXX and I still dont have an answer on where my money is!!! I want an answer where is my money? This will be the last time I will use chase and I been a loyal customer for 12 years and this is the first time ever I had an issue like this happen to me I always use their atm machines and never had a issue and the most frustrating part is they have cameras the biggest proof!!! Just pull the video images and they will see

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-27 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: CA

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 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  15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information. other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
When I checked my credit report this morning, I was shocked to see inaccurate accounts on it. I have no idea why this is happening because my credit report has always been fine in the past. I thought it might be a browser glitch, so I refreshed the page multiple times, but the errors didnt go away. Now Im begging for the documents I submitted to be thoroughly reviewed so I dont have to live in constant worry about this.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
I never did get my credit report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Westlake Services, LLC
State: AL

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

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 2024-12-27 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a possible misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I was not notified of their return and have not received any communication about this matter by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
My recent credit report review showed multiple accounts that are unauthorized and incorrect. Please delete these fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I have been working with Lexington Law firm for years they were taking money out of my account for years and never fixed my credit nor did anyone want to speak with me. I have always followed up with them I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had money taken without my knowledge out of my bank account in XXXX by my my adoptive parents whom I'm in a legal battle with over more than just the money they stole, right before I had a few bills due, they left me for dead barely able to survive and quite literally displaced for 7 months where I was severely malnourished due to lack of available food. 
I contacted the first debt agency to explain this and I thought they understood. I'm trying to say this in court in XXXX to have the debt transferred to my parents who's only goal was to ruin my life because they are mentally ill and extremely manipulative. 

I was contacted by XXXX XXXX XXXX by email with the title, five minutes or less to get this resolved ... what's that supposed to mean. I have to worry about getting killed on the public transit every day because I work in hostile neighborhoods and because of my parents actions legally I can not carry anything to protect myself and now I have to worry about a XXXX XXXX XXXX XXXX  be mugging me at the green line stop from the debt agency

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MD

Complaint narrative:
The debt company has my brothers number as the number on file which was never on file with anything which means they illegally obtained that phone number. They keep spam texting my brother offering deals to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
HELLO. 
Account name XXXX XXXX XXXX Account numbeXXXX HAS REPORTED A CLOSED ACCOUNT OF {$9200.00} ON MY CREDIT. I HAVE BEEN FIGHTING THIS ACCOUNT FOR OVER 7 ( SEVEN ) YEARS. IT SHOULD BE DELETED FROM MY CREDIT HISTORY.

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I HAVE NO AFFILIATION WITH THIS COMPANY THAT HAVE SOLD MY INFORMATION TO THIS DEBT COLLECTOR. I HAVE CONTACTED THIS CREDITOR REQUESTING VALIDATION AND VERIFICATION AND AS OF TODAY, THERE HAS BEEN NO INFORMATION RECEIVED, FOR SEVEN YEARS.

PLEASE DELETE THIS ADDRESS FROM MY CREDIT REPORT.

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - ALL ACCOUNTS YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. 
I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED BELOW. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED. I DEMAND THE FOLLOWING INQUIRES REMOVED IMMEDIATELY.

IT IS ALSO STATED THAT AFTER SEVEN YEARS, THE ACCOUNT JUST BE REMOVED FROM CREDIT FILE. 

THANK YOU, XXXX XXXX SIGNED AND SEALED IN THE PRESENCE OF : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-27 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX

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