vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
I have identified instances of identity theft on my consumer report, which I believe are clear violations of both state and federal laws, particularly 15 U.S. Code 1681c-2. I did not explicitly consent to the reporting of these accounts, nor was I informed when initiating these transactions that they would be reported. This infringes upon my right to privacy. My securities and XXXX  number have not been identified with the account listed. If the agency declines to remove this account, please provide evidence that you are not an affiliated, for-profit organization potentially profiting from the reporting of these private transactions. Since I have not granted permission for reporting, these accounts should be removed immediately. No verification or validation is required, and I do not consent to communication with the accounts I am requesting to be removed. Accuracy is not the concern, as the accounts belong to me. These violations stem from unauthorized transactions executed without my explicit consent, resulting in the disclosure of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Additionally, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft occurs when information is obtained and shared without express written consent, as in this case. The credit reporting agency lacks evidence demonstrating my consent for the reporting of these private transactions and accounts, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
A debt collector ( Rent recovery solution ) posted a debt on my credit history 2 years ( in XXXX  ) ago. I called them to inquire about the debt and I was told that It was for a rent that I didn't pay at my former apartment- XXXX XXXX  at XXXX XXXX XXXX XXXX ( previously known as XXXX XXXX ). They requested for evidence and I sent them all my monthly rent payments till the month that I vacated. Also, I forwarded the my 60 days notice that i sent to the apartment in addition to the uhaul receipt for the XXXX i used in moving my belongings out of the apartment. Upon investigation, they removed the debt from my credit history since the property couldn't tell them the exact month i was owing. 
Last month, I noticed that a report was made on my credit. When I checked, I noticed that same debt collecting agency has reposted same debt from 2 years ago. I called them to understand why it was posted and they couldn't provided any cogent reason. I was told that the apartment management said the debt was valid. I asked them to tell me the specific month that I was owing but they couldn't. I had to inform them that I supplied them with the evidences showing that I was not owing 2 years ago and they removed the debt. Since then, the debt agency hasn't been able to tell the specific month this debt was for so i can provided my receipt. The debt is still on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Notice to opt Out Per XXXX XXXX XXXX Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you or your company in written, non-written, verbal, and non-verbal form. 

I am rescinding all authorizations per XXXX XXXX XXXX. 

This is effective immediately and indefinitely.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX  I received a notification that my credit score dropped XXXX points due to a 30-day missed payment. I have been a loyal customer of American Express for 4 years and have not missed a payment with the exception of this. This was a card that was not actively in use and was tied to a XXXX app that charged a {$6.00} charge. The payment was made immediately after seeing the credit drop and American Express stated that they can not assist in sending the Credit Bureau a letter to explain the situation. I would like to have this removed from the credit report as this was a one-time mistake and there should be leniency considering that a payment has not been missed in 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Im having the same issue I had already reported once before with Comenity Capital bank, first it was with my Sephora Card and its still happening with my XXXX as its the same bank. 

Ill try to make a payment the day its due online and their server or site will be down and will not let me log in, I took a screenshot of what it looks like too. And I got charged a late fee because I couldnt make my payment that day. 

However, the next day its up and running just fine. Theyre a horrible bank to consumers. I tried calling and it automatically says that my account is not eligible for a courtesy late fee waiver. The one time I asked for it last year, they didnt even offer a full late fee wavier, they gave me a freaking discount? Which only took off like a few bucks which is insane to me because other banks help you out and waive the full late fee amount. 

Id also like to note that this is not the first time this is happens with my XXXX card, Ive gotten charged plenty more late fees for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: NY

Complaint narrative:
I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by Experian. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX XXXX XXXX. 


Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable 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 2023-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shell Point used to be my servicer then my account was sent to XXXX then late back again to Shell Point. Shell Point said they received my account with a shortage but have no record of why their was a shortage. I asked them to prove the shortage and they said they can't because they can only go back so far. All they keep saying is that every thing is correct but they can't/ will not provide proof because they say the shortage was just given to them and they don't know where it came from and can not find out where it came from. 

I believe this is a trick the mortgage companies do when tossing around mortgages from one servicer to another. They pass the mortgage on with a debt or shortage which can never be proven. 

Even though my home owners insurance went way down, I still owe more based on some made up shortage that can't be proven. 

I have been tossed around from one servicing company to another about 10 times. 

All so that they can pull off tricks and not be regulated like a bank but somehow still controlled by a bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CA

Complaint narrative:
On XX/XX/XXXX, my phone and XXXX XXXX card was stolen. I originally thought when I first called chase it was taken while I was getting my tires changed. I gave them a police report and everything. I called them while the charges were still pending because my account was in the negative from me paying my bills that didnt show until Monday morning and I was told to wait until the fraud charges are not pending to see if they will bounce the charges back which was weird. Well I waited and they let the fraud charges go through and bounced back my bills ( car note / insurance/ registration ) and left me with nothing. I later found out it was actually my old room mate that stole my information and my phone after I tracked my phone to the apartment trash cans and we naturally got into a heated argument which the police broke up and told her she needed to leave. They asked me if I wanted to press charges and I told them I just want her gone. I only said that because I believed when I called chase back and told them they would have empathy and at least give me some if not all my money back however they then went to blame XXXX XXXX ( which is what she used to steal from me ). So I called XXXX XXXX and XXXX XXXX said they could not refund the money because chase let them go through. So I was highly upset because I called chase the Monday morning ( XX/XX/2023 ) as I said before before the cleared. XXXX XXXX told me they could of cleared it up if chase would have denied the charges however because they didnt they couldnt do anything. So I called chase back and they told me I needed to send proof of what happened however they didnt tell me what proof they needed. I had to talk to a manager and they said I needed an new police approved police report which I did not have since I elected it not to press charges. I tried to go to the police station however it was too late and I didnt remember the officers names so they could not ask them about it. At this point I was incredibly frustrated and just gave up until my mother told me to reach out here. So Im praying this will help. I have more information and even a letter they sent me on accident which shows how they had it the system claiming I only disputed XXXX dollars and they denied it because I didnt make a claim for the other XXXX. I only made one claim in the amount of XXXX. They denied they sent the letter however it came with the other papers saying why they denied me. Ive never had an issue like this. I see a lot of people have issues like this with chase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as Flagstar Bank.

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 2023-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: V and H Portfolio
State: FL

Complaint narrative:
This company told me my bank accounts would be frozen if i didnt promise a date to pay. Once I did and the payment failed they called me back to back at exactly XXXX XXXX. I redid the entire process under the circumstance that my bank account would not be frozen. The payment once again failed and the same process repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am demanding the proper contact info for the legal agent who accepts summonses on behalf of XXXX XXXX XXXX. I will be filing a suit against XXXX XXXX XXXX for willful and negligent violation of the FCRA.

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 2023-12-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastern Revenue, Inc.
State: NC

Complaint narrative:
I have tried multiple times to contact them via email, or mail so I have written proof. They continually call me and when I email them specifying I dont want them to call they dont honor! I have tried disputing the debt but it still on credit! They are an aweful company and dont care. They contact my family members which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
This company told me my bank accounts would be frozen if i didnt promise a date to pay. Once I did and the payment failed they called me back to back at exactly XXXX XXXX. I redid the entire process under the circumstance that my bank account would not be frozen. The payment once again failed and the same process repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I made a purchase for an item that was damaged. I requested PayPal to help get the issue resolved. PayPal claims they are there to help and assist customers and merchants but that has not occurred. That was a hassle within itself but due to the hassle and constant back and forth, I was promised a {$30.00} voucher that has not been applied to my account. I have the confirmation in writing and when I reached out to the person helping, she did not respond. I called PayPal and XXXX the supervisor was rude, disrespectful, cut me off, and muted her line for over 5 mins and refused to talk. I asked for her name numerous times and she would not respond. The voucher still has not been applied to my account and I've been on the phone with PayPal for over 30 mins trying to get a simple voucher I was promised.

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 2023-12-15 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: LA

Complaint narrative:
There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as 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 2023-12-15 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: LA

Complaint narrative:
There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as 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 2023-12-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Notice to opt Out Per 15 USC 6802 Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you or your company in written, non-written, verbal, and non-verbal form. 

I am rescinding all authorizations per 15 USC 6802. 

This is effective immediately and indefinitely.

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 2023-12-15 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: MO

Complaint narrative:
I asked for validation from XXXX XXXX XXXX and methods of validation from XXXX, Equifax, and XXXX. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I made consistent and timely payments to both cards, from my Checking Account with the same company. 

The online webpage ledger for the checking account would show sufficient balance to make payments to the two cards ( same company ), yet the last 3 times, the payments failed. 

The failed payments do not show as transactions. 

When I called to complain, the woman said I could not rely on my online webpage, but that I needed to also consult emails and SMS texts!! I complained that that was not transparent. 

When XXXX tried to make charges and then refund, none of them showed the next day. 

They closed the credit cards. She said there could be no Appeal process. The other card is a {$99.00} Secured Card. I had one since XXXX and the other since XXXX.

Company response to consumer: Closed with explanation