vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXX and XXXX XXXX veteran and there are multiple collections reported on my credit report wich seems to be fraud. As per the va whitehouse line, thus must be fraud. I never had any business with a few companies listed on my report so someone must of stole my identity or trying to scam me to get money. All my medical debt is to be covered by the va as I was XXXX from the XXXX with the XXXX XXXXXXXX XXXX and XXXX XXXX rating in XXXX. Any medical debt on my credit report is fraud. And " bull city financial " one of the main ones, seems to be listing things and changing them to get money from me. If you have any questions please contact me at XXXX. I'm trying to buy a house with my va loan and this fraudulent charges on my account are really hindering the process, and I'm about to become a homeless vet because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: GA

Complaint narrative:
As XX/XX/24 I noticed that XXXX has allowed false information on my credit file, violating FTC Section 807, associated with a closed XXXX XXXX Account ending in XXXX for {$13.00} & or {$13.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: GA

Complaint narrative:
As XX/XX/24 I noticed that Experian has allowed false information on my credit file, violating FTC Section 807, associated with a closed XXXX XXXX Account ending in XXXX for {$13.00} & or {$13.00}.

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 2024-01-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have hard Inquires from XXXX XXXX XXXX Inquired on XX/XX/year> that I'm not aware of. Also 3 Hard Inquires from JPMCB Card dates are XXXX 1 inquire from XXXX XXXX XXXX  date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. On XXXX Credit XXXX account # XXXX Late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Around XX/XX/XXXX, I noticed a loan on my account from Chase Bank. I contacted Chase at that time, and I sent in the necessary documents multiple times to have the loan removed from my credit report. I believed that the case had been closed by then. However, in approximately XX/XX/XXXX, I received a 1099-C, along with bills from the IRS and XXXX, totaling approximately {$70000.00} in taxes for earned income that I had never actually earned. Not knowing what to do, my accountant advised me to contact Chase. 
I attempted to have the 1099-C removed, but on XX/XX/XXXX, you sent me a letter stating that you couldn't reopen the case since I hadn't sent back some documents in XXXX ( please see the attached letter ). With no other option, my accountant amended my return and included the income along with an identity theft expense. However, the IRS audited this item and is now requesting that I obtain Chase 's assistance in re-filing the 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Portfolio Recov Assoc. # XXXX, XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable XXXX, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee. 

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX I contacted both TransUnion and XXXX by phone to remove inaccurate & non approved hard inquiries as well as inaccurate information & addresses. Both companies refused to investigate, Validate or remove these inaccurate items.

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 2024-01-28 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
In Accordnace with the fair credit reporting actXXXXXXXX account # XXXX, has violared my rights. 

15 USC 1681 section 602 states I have th eright to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card information was stolen by an unknown party and used to make {$560.00} worth of purchases, appearing on my bank statement as XXXX separate " XXXX XXXX XXXX XXXX  '' transactions on XX/XX/XXXX and XX/XX/XXXX. I have provided my bank, XXXX, with evidence that shows these transactions were not completed by me, given that none of these charges appeared on my XXXX account, nor did I receive any email receipts confirming that I authorized these purchases. 

My initial claim began on XX/XX/XXXX, XXXX the moment I recognized my debit card information were stolen. Chase bank temporarily issued me a credit of {$560.00} to make up for what was stolen, however on XX/XX/XXXX I received a letter from Chase explaining that my claim was not found to be in my favor due to a lack of evidence and that they were going to take back the {$560.00} credit they had deposited in my checking account. 

I submitted additional evidence to Chase 's online portal on XX/XX/XXXX, and as of XX/XX/XXXX I was informed by phone that the claim still was not in my favor, despite clear evidence that I did not make these purchases. Chase 's reasoning, from what was explained to me on the phone, was that because my PIN number was used to complete these transactions -- it must have been me. 

I spoke with an XXXX XXXX  by the name of XXXX XXXX on XX/XX/XXXXXXXX  who shared with me information explaining that these purchases were conducted by someone by the name of XXXX, and that XXXX blocked this payment method ( my debit card information ) on their XXXX account so that they can no longer use my card. 

Even after overlooking this evidence I provided to Chase, they still decided I am at fault and withdrew {$560.00}. I am hoping to continue this dispute with Chase so that I receive my stolen money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 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: PA

Complaint narrative:
There are hard inquires on my credit and I have no knowledge of them. 

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 2024-01-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX, care credit, XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against PROCOLLECT , INC regarding their failure to provide a validated verification and essential information in response to my disputes. 

On XX/XX/2023, I submitted disputes to PROCOLLECT , INC in accordance with the Fair Debt Collection Practices Act ( FDCPA ) requesting a validated verification of the debt they are attempting to collect. Despite my efforts, the agency has only responded by sending a bill and a lease, which do not serve as proper validation of the debt. 

I sent another dispute XX/XX/XXXX XXXX requesting them to send proof they failed to do so by sending me the same letter as before. 

On XXXX I asked PROCOLLECT , INC to reinvestigate the insufficiency of the documentation they have provided. I gave them 15 days to respond. I have not received a response. 

In my subsequent communications, I specifically requested the following information : Original Creditor 's Name and Contact Information : I have yet to receive any details regarding the original creditor 's name and contact information. This information is crucial for me to verify the legitimacy of the debt and address any concerns directly with the original creditor. 

Verification of Legal Authority : I have requested verification that PROCOLLECT , INC has the legal authority to collect this debt on behalf of the original creditor. It is imperative that the agency provides evidence of its legal standing to pursue collection activities. 

Proof of Ownership : I have also requested proof of ownership of the debt, demonstrating that PROCOLLECT , INC has the right to collect on the alleged debt. This information is essential to ensure the validity of the debt and the legitimacy of the collection efforts. 

Despite my requests and the stipulated time frame for response, PROCOLLECT , INC has failed to provide the necessary documentation and information. As a result, I find myself in a difficult position where I am unable to adequately address or resolve the concerns related to the alleged debt. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I seek your assistance in ensuring that PROCOLLECT , INC complies with the FDCPA by providing the validated verification, the original creditor 's information, proof of legal authority, and proof of ownership within the prescribed time frame. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation.

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 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Spent {$3000.00} at Macy 's for Platinum status and confirmed it. Now says Gold status. Should be Platinum status especially after I confirmed.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
On Monday XXXX some random guy on XXXX I met wanted to purchase XXXX pair of XXXX from me for a XXXX dollars. I talk to that person over the phone so we can meet to do the exchange I sold him XXXX pair of XXXX and he said he will send my payment thru XXXX I gave him my phone number to send the XXXX payment I watch him pull out his phone and send me the payment then we both went out separate ways after the transaction my funds didnt come available in my account until Wednesday XXXX now today which is XXXX my bank which is Navy Federal Credit Union is closing my account because the XXXX dollar XXXX payment I received for my XXXX  are being reported as fraud transaction why is my account being close because of someone reported that transaction as fraud which had nothing to do with me all I did was sell a guy some XXXX  and received a payment

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