vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
CFPB Law Dispute Letter Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fair Credit Reporting Act ( FCRA ) Dispute under 12 CFR 1006.34 & 15 U.S.C. 1681s-2 ( 7 ) ( A ) Dear CFPB, This letter is to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Identification of Inaccurate Information I am writing to dispute the following information on my credit report : Account Type : COLLECTION Creditor Name : I C SYSTEM Account Number ( Last XXXX Digits ) : UNKNOWN Specific Information in Dispute : Basis for Dispute I believe the information listed above is inaccurate. I also have revoked all rights of them communicating with me through email, text and calls. I am requesting validation of such debts. I am requesting the purchase agreement between them and the original creditor. I'm also requesting that they furnish proof that they are licensed and bonded and would like all collections to be removed immediately. 

Violation of FCRA I believe this inaccurate information is a violation of my rights under the FCRA, specifically 12 CFR 1006.34 ( b ) ( 5 ) which guarantees the reported information is accurate and verifiable, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) which requires furnishers to investigate disputes, 12 CFR 1006.34 ( d ) which outlines the timeframes for dispute investigations, and 15 USC 1681s-2 ( 7 ) ( A ) which prohibits credit reporting agencies from including inaccurate information.

Request for Action I request that the CFPB investigate this dispute with the credit reporting agency and the information furnisher ( creditor ) named above. I further request that the inaccurate information be removed from my credit report and that I be informed of the results of the investigation within the timeframes mandated by the FCRA. 

Supporting Documents Attached are copies of documents supporting my claim ( e.g., cancelled checks, account closure confirmation, police report for identity theft ). 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely. 


Printed Name : 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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> I requested a Capital One credit card increase ( {$3200.00} ) online and received an online document declining my request citing average monthly payments have been low when that is not true. I have been paying more than the minimum payment on my Capital One credit card consistently for more than 6 months and their representative would not tell me the reason even after checking my payments and confirmed they have been timely and more than the minimum was paid monthly. 
I was told that my account is in good standing and that I should put in a second request for increase of {$3200.00} on XX/XX/year>. I just dod so and was declined for " average monthly payment has been too low ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I sent midland credit management a 609 debt verification letter in XX/XX/XXXX of this year 2024. Theyre claiming on my credit report that I owe them {$44.00}. Their response to my letter was a warrant for satisfaction for judgement on XX/XX/year> I received no debt verification or assignment of debt. They refused to provide any documentation on the assignment of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX $ I hired a company to replace flooring while I was out of town. I have used this company before. They were sending me updates of the materials purchased and installation progress I have the materials, but the flooring installation was not completed. I paid through XXXX XXXX through chase bank as I was not in town to pay them directly. Upon return home the company blocked me and I can not reach them. I disputed the transaction with Chase Bank. I disputed under services not provided. I received a letter from chase saying that I authorized the transactions. I did authorize the transaction under the understanding that work had been completed. But I filed under services not provided. Chase did not properly investigate the dispute to as a loyal customer as they claim they always do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Account was closed without notice was denied information about account closure. Tried to go to bank and ask why my account was closed and if I could get access to remaining balance in my account was told no. No prior fradualent activity just told thag the bank has decided to sever relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Hello, Re : loan number # # # # # # # # # #. 

I am emailed Mr. Cooper again of issues with my mortgage 's escrow account and property tax bill ( county tax ). 

I spoke with a Mr. Cooper representative in early XXXX ( I believe XXXX ) because I received a delinquent tax bill. The representative had me email a picture of the bill to XXXX. 

Amount due originally was {$1200.00}, and now including penalty is {$1300.00} if paid by XX/XX/XXXX and {$1300.00} if paid by XX/XX/XXXX. 

I see now that another incorrect payment ( disbursement ) for property tax was made here in XXXX ( XX/XX/XXXX ) for {$1200.00}. 

Prior to this delinquent tax bill I learned and informed Mr. Cooper that an incorrect payment ( disbursement ) for property tax of {$1300.00} was made back in XXXX ( XX/XX/XXXX ). 

My escrow account needs be corrected and my property tax needs to be correctly paid, including any and all penalties. 

The 2 incorrect disbursements need to be credited to my escrow account and Mr. Cooper needs to pay the XXXX XXXX treasurer {$1300.00} by XX/XX/XXXX or {$1300.00} by XX/XX/XXXX for my parcel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My CD was opened on XX/XX/XXXX, and I call my Webster bank to cancel do not renew my CD On XX/XX/XXXX. 
The amount includes interest is {$15000.00} Account # XXXX. 
After go through a lot of questions and procedures the did not refund my deposit funds. 
On XX/XX/XXXX I have called and spoke with supervisor and she promised will ACH funds to my original bank account the next day. 
As of today XX/XX/XXXX l have not received any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CIG FINANCIAL LLC
State: CA

Complaint narrative:
This inquiry is not from me, I would like to see my signature on whatever application they have because I can assure you it was not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This inquiry is not from me, I would like to see my signature on whatever application they have because I can assure you it was not from 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 explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XXXX there were XXXX unauthorized charges made using my card. They were for significant amounts totaling over {$3000.00}. I did NOT receive a fraud alert from Barclays and can prove this as the voice mail I received from them was on XXXX XXXX days after the charges were made and one day after they processed it. The charges were clearly NOT mine as they are for someone's rent and cable in XXXX where I do not live. They are also companies I have never paid before. If they would have had proper controls in place and stopped these charges as they are not typical charges for me. 

I was called on the XXXX about some new charges in another state but when they called they never asked about these charges in Maryland. So I discussed them all saying none of them were my charges. I didn't feel confident after that conversation so I then went in to my account and both disputed the charges and filed a complaint about the fact that the fraudulent charges had been put through and the fraud alerts that I have placed on my account had not been followed. I was upset because these charges were making my account show over the limit. I expressed my concern for that improperly being reported to the credit bureaus. And that is exactly what happened. Neither my written dispute or complaint has resulted in anyone providing me an updated or even acknowledging they received the information. I know they have a certain amount of time to respond as they can do an investigation. But I was assured by the rep when I called that this would all be removed when I receive my next statement. Statement was received but the charges still remain. 

I am a good customer with this company and this is clearly a mishap in their fraud system. These charges should have been caught and someone should have contacted me when I requested that they do. There error should not cost me over {$3000.00}. The fraud alert should have stopped the charges from going through.

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 2024-05-25 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: Statebridge Company
State: MA

Complaint narrative:
In XXXX an account for {$44000.00} was opened in my name. I did not open this account. The phone number provided by the credit bureau doesn't work. Its a bad number, so I can't get information about this account. Looks like the account was opened during the pandemic. 

I sent a follow up letter in XX/XX/XXXX to XXXX XXXX and on XX/XX/XXXX, I received a return notice from the XXXX XXXX XXXX indicating unable to forward. XXXX XXXX doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
About a week ago I tried to log into my PayPal account. They wanted to verify my by sending a number to my phone. I think they did not do it because it is a XXXX XXXX number. I did not have a cell phone. I was on the phone with them for XXXX minutes. They deleted my phone number and added my wife 's cell phone number. It did not work either. Then they said they could verify me by asking several questions about what I have owned in the past including some from 30 years ago. I passed the test. I was still blocked. So I bought my own cell phone, a XXXX prepaid. They did not accept it either. Maybe they want me to have a post paid phone. They don't say that. So I am locked out of 25 years of of records. And I can't send or receive money. Thank you for holding them accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I reached out to someone on XXXX XXXX on a product I wanted to purchase. They dont live in the same state as me so they would have to ship the item. After getting the details correct I sent the money for the product and shipping, {$250.00}. After I sent the money, they kept finding excuses over the next few days to not ship until finally they stopped responding. I attempted to reach out to them multiple times to get the product or my money back but there was no response. I submitted a claim with my bank, Bank of America, about this and they opened a case for investigation. On XX/XX/XXXX, I received an email from Bank of America that I would not be getting my money back and that the case was closed. I called the customer service department to find out why, and the only thing they told me was that XXXX XXXX was denying the transfer back. They told me they would get the report from XXXX XXXXXXXX about the case, which I have never received, and that the only other thing I can do is go to small claims court. Because they live in a different state, that option isnt really feasible. Because of XXXX XXXX and Bank of America, I lost my money with no way to get it back.

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 2024-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, 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 2024-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: GA

Complaint narrative:
Trying to collect the debt that I don't owe. And reporting late payments to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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 consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-25 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-05-25 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
On XX/XX/2024 I submitted a complaint against XXXX XXXX XXXX, XXXX stating that I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of 2024 to a new company Named SOUTHWEST CREDIT SYSTEMS XXXX I do not have a contract with SOUTHWEST CREDIT SYSTEMS, I am not liable for this debt with XXXX they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: Velocity Portfolio Group
State: CA

Complaint narrative:
I have requested validation of debt at least 10 times they send me a reporting debt was verified, but they dont tell me how it was verified or do not show any proof that my debt is valid. This is fraud and I am unable to move forward in any of my professions and personal goals of a home because of these

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 2024-05-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation