vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear XXXX loan officers I am requesting a credit of the total amount payment of {$19000.00} paid to the wrong XXXX loan account # of XXXX in the website : PayGov.com on form XXXX ; The problem is that back in XX/XX/2022 when I did set up, in the site XXXX, an automatic monthly payment of {$1400.00} from my JPMorgan Chase bank account # : XXXX routing # : XXXX to be credit to my correct XXXX loan # : XXXX, instead there was a registration error in the PayGov.com on the first digit instead of the first digit " XXXX '', it was the digit " XXXX '', the remaining digits of XXXX loan number are correct except the first of " XXXX '' of the loan number ; all the payments from my chase bank went to the this wrong XXXX " XXXX ''. The monthly payment of {$1400.00} was debited from my chase account regularly on the XXXX of each month and applied to the wrong account. I was not aware of these payments not being applied to my correct sba loan # until I received this week a telephone call from the XXXX loan servicing department informing me that my monthly payments are not received. Now I am requesting an investigation of where these payments were going to? whose account were the payments applied to? and to refund all the payments for a total of {$19000.00} ( wire payments from JPMorgan chase were being taken each month on the XXXX of each month, see attached chase bank statements ) Feel free to contact me for further questions at my cell phone # : XXXX. 
Please see my bank statements with each month payment as for the record. 
Truly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
I am the victim of identity theft. The account listed here is the result of fraud. I have sent this information to the credit bureaus several times already but they are not responding 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 2024-03-20 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: FL

Complaint narrative:
I am the victim of identity theft. The account listed here is the result of fraud. I have sent this information to the credit bureaus several times already but they are not responding to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: FL

Complaint narrative:
Everyday I keep receiving several calls a day, everyday ( including weekends ) from different phone numbers but the same area code ( 636 ) they have never left a voicemail or have I received a letter about this company called Client Services Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have disputed this account more than XXXX times now and Ive asked for proof in each letter that Ive written. Ive also asked for this proof verbally over the phone and with the credit bureaus via phone/Letters all certified yet, I have not received any proof that I owe this debt it has only been updated and came back as verified on each occasion. I have asked the XXXX Credit Bureaus to go beyond the original source yet all attempts only came back as verified and updated without sending all disclosures documents and signatures of mine confirming this step with the CCS. This is willful negligence I would like to file charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MS

Complaint narrative:
i sent the CRA 's a letter disputing the inaccurate and incomplete information they are reporting on my credit report, per 15 usc 1681eb and 15 usc 1681i5, the accounts have inaccurate account numbers, high balances, payment history. I am requesting that the inaccurate and incomplete items be delete.

the inaccurate and incomplete information be delete from my consumer report 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. also 15 usc 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i sent the CRA 's a letter disputing the inaccurate and incomplete information they are reporting on my credit report, per 15 usc 1681eb and 15 usc 1681i5, the accounts have inaccurate account numbers, high balances, payment history. I am requesting that the inaccurate and incomplete items be delete.

the inaccurate and incomplete information be delete from my consumer report 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. also 15 usc 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
Dear XXXX on credit report - Date of First Delinquency : XX/XX/year> - Current Status : open as collection - Amount : {$630.00} I have no record of any financial dealings with IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE, and I believe that this entry is inaccurate. As a responsible consumer, it is crucial for me to maintain an accurate credit history, and this discrepancy is causing significant concern.

Please provide written confirmation once the removal is complete and inform me of any actions taken. I understand that, under the Fair Credit Reporting Act, you are requiredI am writing to dispute two accounts that appear on my credit report. After reviewing my credit report, I have identified the accounts listed under IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE that I have no knowledge of, and I request these two accounts to be removed from my account, because I do not have and I havent had any business with IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE. I called to dispute these two accounts but it seems that nothing has been done.

Details of the disputed account : - Creditor 's Name : IQ DATA INTERNATIONAL - Account Number : No Account Number on credit report - Date of First Delinquency : XX/XX/year> - Current Status : open as collection - Amount : {$2800.00} Details of the disputed account : - Creditor 's Name : XXXX XXXX XXXX - Account Number : No Account Number to investigate my dispute within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: WA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XX/XX/XXXXXXXX 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 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

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 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account XXXX XXXXXXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. Furthermore, despite inaccurately reporting to XXXX that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged XXXX XXXX  which was an account that was never approved of.

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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX XXXX -Date of inquiry : 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 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: A & O Recovery Solutions, LLC
State: OH

Complaint narrative:
A man by name of XXXX XXXX, claiming he is an attorney for the XXXX. I called the number back and it says CCI. He keeps calling me harassing me about a debt he is saying my father owned from being in the XXXX XXXXI previously told him that my father had Medicaid and Medicare. I asked him to please stop calling me. 
He continues to call me harassing me, cussing me out, yelling, calling me incompetent an threatening me. 
He also left a very nasty message and continues to call and be very disrespectful. 
He calls from different numbers XXXX, XXXX, XXXX, XXXX, or a private number. I am going to file harrassment charges if this continues.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear XXXX Funding, XXXX XXXX XXXX I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in XXXX 

After a thorough investigation and consultation with legal advisors, it has come to my attention that XXXX XXXX, XXXX XXXX has XXXX in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of XXXX Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of XXXX XXXX XXXX ( XXXX ), Chapter 427.104 : {$1000.00} Violation of XXXX  Statue Chapter, 427.105 : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
on my credit it shows up as a Auto loan but it is not a auto loan it is a retail installment agreement. CFPB says A retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. Traditional ... a auto loan is on my credit I never did a Auto loan it was a retail installment agreement The CFPB says what a retail installment sales contract or agreement is different from a loan. it is showing up on your consumer report as a auto loan but on the contract it states it is a retail installment contract They are in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( bii ) for false and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: FL

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.

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 instructions 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 convictions 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 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 2024-03-20 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: FL

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.

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 instructions 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 convictions 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