vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I requested multiple times to get my statement that was missing with a closing date of XX/XX/XXXX and a payment due date of XX/XX/XXXX. No statement was mailed, and they stated that no statement was generated for the month of XXXX, and they are refusing to provide that XXXX statement and receipt, as well as reporting it accurately for the correct month. I made the payment in XX/XX/XXXX for {$60.00} on the phone with XXXX XXXX, and it should have been on my printed and mailed Us First class statement. The XXXX statement remains missing and it is my legal right to have a proper receipt on the correct month. I am being denied access to also having this reported accurately to the credit bureaus. XXXX XXXX also continues to be a problem. 

Additionally, I did not receive my statement for XXXX closing date of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I made a payment of {$52.00} confirmation XXXX and a separate payment of {$440.00} confirmation XXXX to be on my closing date of XX/XX/XXXX and payment due date of XX/XX/XXXX. On XX/XX/XXXX, I spoke to several people including XXXX and XXXX, and Sweety form XXXX, XXXX. Additionally, they transferred me to XXXX, the supervisor and there was no resolution, and I filed the complaint while I wwas left on hold for XXXX hour before I submitted this complaint. Please respond by US mail as XXXX has my email lockdown right now, while trying to recover my email. i do not use my email with Chase and do not want it used on my accounts with the exception of the back office only for ID purposes. 

I do not have any online banking whatsoever and do not intend to do so. It will be fraud if my email is used for any banking purposes such as an online account. I receive all paper statements only on all my accounts, including my missing car loan that Chase should have reported as well, and all this infor was provided to them a miultitude of times. Please respond by US Mail. I will be out of the country between XX/XX/XXXX and XXXX, XXXX. Please extend the time to respond to any additional requests by the CFPB. I have someone at the house, but they will not be able to reach me. Please notate these on all my existing complaints/ accounts with the CFPB XXXX 

Multiple times I provided the Police report XXXX XXXX and cell XXXX. It is for identity theft and misidentification filed on XX/XX/XXXX. To this day, no identity theft packet has been mailed to me by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Uprova Credit, LLC
State: WI

Complaint narrative:
I tried setting up my new bank account that was going to have my future direct deposit taken from. They told me that they couldn't change my bank account information and suggested I do it online. I tried doing it online, but the website did not allow me to. When I called them back they refused to change my bank account information even though I told them it would over draft if I could not change it. I did this this XXXX days prior to the overdraft and I have not been able to change it since. They have now restricted me from doing online payments and I have documented proof that they have taken XXXX $ worth of overdrafts from my bank account. I've continuously asked them not to charge me for what I could not help. I asked them if they could even just waive the extra past due payments since it was not my fault that I couldn't pay. They have completely refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
I recently reviewed my credit report. I have expressed my concerns with the related credit agencies. I would like my personal information to reflect my full name, my current address, my most recent phone number ( ( XXXX ) XXXX ), and only my current employer ( 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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report. I have expressed my concerns with the related credit agencies. I would like my personal information to reflect my full name, my current address, my most recent phone number ( ( XXXX ) XXXX ), and only my current employer ( XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report. I have expressed my concerns with the related credit agencies. I would like my personal information to reflect my full name, my current address, my most recent phone number ( ( XXXX ) XXXX ), and only my current employer ( 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 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint against TransUnion for failing to investigate disputes I submitted regarding inaccuracies on my credit report. Over the course of three separate disputes, TransUnion has : Failed to provide documentation or evidence demonstrating how the disputed items were verified or updated. 

Neglected to include the required " notice of dispute '' on the accounts in question, violating the FCRA. 

This lack of action is unacceptable and does not align with the standards set forth in federal law. I have attached supporting documents, including my dispute correspondence and the responses received from TransUnion.

These actions ( or inactions ) have caused unnecessary harm to my credit standing and have hindered my ability to secure financial opportunities.. I kindly request that the CFPB investigate TransUnions practices and take corrective measures to ensure compliance.

Thank you for addressing this issue. I am available to provide further information if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Company Name : XXXX XXXX XXXX. 
Company Representative : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX Case Number : XXXX Complaint Summary I am submitting this complaint to the Consumer Financial Protection Bureau CFPB regarding my ongoing dispute with XXXX XXXX XXXX  XXXX and their legal representative, XXXX XXXX XXXX XXXX, who are attempting to collect a debt from me. Despite XXXX XXXX having charged off the debt, they are still pursuing collection efforts. XXXX XXXX claims to be the original creditor, yet I have requested the original signed contract and chain of title to verify the debt, but they have not provided these documents. The paper statements they have submitted do not adequately prove that I owe the debt. 
Details of the Complaint Charge-Off and Debt Collection : XXXX XXXX has reported this account as a charge-off, yet they continue to attempt to collect the debt. According to debt collection practices, once a debt is charged off, it typically indicates that the creditor has written off the debt as a loss. I question why XXXXXXXX XXXX is still pursuing collection on this account and whether they have the legal right to do so. 

XXXX XXXX as Original Creditor : XXXX XXXX claims to be the original creditor for this debt, but I have not received sufficient documentation to support this claim. I have repeatedly requested the original signed contract and chain of title to verify that XXXX XXXX still holds the legal right to collect the debt. Without this documentation, I am unable to verify the validity of the debt. 

Failure to Provide Documentation : I have filed a motion to compel discovery in court, but XXXX XXXX XXXX XXXX, representing XXXX XXXX, has not provided the necessary documentation. The paper statements that have been submitted are not sufficient to prove the debt or the validity of their collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXXXX/XX/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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking over my Equifax credit report and noticed that my name birthday are being reported inaccurately the name is not how i identify myself and the birthdate is showing wrong day of the month. These inaccuracies are unlawful and violate my rights under FCRA sections 623 ( a ) ( 1 ) and 16 USC 1681. And any accounts linked to my credit report using this information are required to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I paid a total of {$6600.00} plus {$2000.00} at signing of contract. for the first year of the account. At first it was deduction from my amount owed. Then out of nowhere they reseted everything and said they started a new loan and that I had to pay the full amount over again. I continued the payments. A few months in the payments started not being deducted from my account again. They claimed it was going towards the principle amount. They never showed the amount of principle owed. I keep making payments but my balance never changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX has downgraded and reported I am in collections, on my personal credit file with experian, XXXX XXXX and XXXX, the accout was a Corporate account, my personal account has and has had for several years a XXXX balance. This is illegal I am not a personal debtor to corporate a count

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/year> **Sent via Certified Mail - Return Receipt Requested** XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : Correction and Updated Request for Verification of XXXX Debt Charge-Off** **Reference Number : XXXX To Whom It May Concern, I am writing to correct an error in my previous communication regarding the request for verification of a **1099-C** debt charge-off. In my prior letter, I included the wrong account and reference number. Please disregard the information provided in that letter and refer to the updated information below. 

The alleged debt is now linked to the following entities : 1. Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. Debt Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I kindly request the following : 1. Verification of the **1099-C** form issued in connection with this debt ; 2. Documentation supporting the original debt, including the amount owed and the date of the charge-off ; 3. Proof that the debt was legally canceled or forgiven, as indicated by the issuance of the **1099-C** form.

If this debt has been incorrectly assigned or if there are discrepancies, I request that you update your records and inform the relevant authorities to reflect the correction. 
I appreciate your attention to this matter and kindly request that the corrected documentation be sent to me within **30 days** of receiving this letter. This letter has been sent via **Certified Mail** with a return receipt requested for my records. 
Thank you for your time and cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal response to your unlawful rejection of a valid negotiable instrument tendered as payment for the alleged account referenced above. Your refusal to accept the instrument, in clear violation of federal law, Uniform Commercial Code ( UCC ) provisions, and case law, constitutes fraud and is actionable under multiple statutes. 

1. Violations of Federal Law and Legal Precedents Your rejection of a valid negotiable instrument is a direct violation of the following : Public Resolution 10 ( H.J.R. 192, XXXX  ) : Suspended the obligation to pay debts specifically in gold and allowed for the discharge of debts using valid negotiable instruments.

31 U.S.C. 5118 ( b ) : Prohibits creditors from refusing valid legal tender, including negotiable instruments such as promissory notes.

UCC 3-603 : Clearly states that when a negotiable instrument is tendered as payment and refused without valid grounds, the underlying obligation is discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Affirms the enforceability of negotiable instruments under federal law and prohibits arbitrary rejection of such instruments by entities. 

Your rejection of the negotiable instrument I provided as payment for this account not only violates these statutes but also constitutes a breach of contract and fraud. 

2. Proof of Equal Consideration and GAAP Compliance Required If you assert that I owe any balance, you are required to provide the following under Generally Accepted Accounting Principles ( GAAP ) : Proof of Equal Consideration : Demonstrate that you extended any actual funds or lawful consideration in exchange for the alleged obligation. 

Evidence of Lending : Provide detailed accounting records showing that you lent actual money and incurred a financial loss. 

Monetization of Promissory Note : Confirm whether the promissory note I provided was monetized, securitized, or otherwise used to generate funds, thereby satisfying the alleged obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Co LLC
State: AR

Complaint narrative:
Subject : Cease and Desist Request Regarding Debt Co, LLC Account Ending in XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally request your assistance in addressing an issue with Debt Co, LLC regarding an account originally associated with XXXX.

Account Details : Collection Agency : Debt Co, LLC Original Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Status : UNPAID Creditor Classification : PERSONAL_SERVICES Original Amount Owed : {$1100.00} Current Balance : {$1100.00} Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status Date : XX/XX/XXXX Account Designator : INDIVIDUAL_ACCOUNT This account is currently under dispute, as noted on my credit report : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. Despite this, Debt Co, LLC continues to report inaccurate information without proper validation or sufficient documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Cease and Desist Communication : Debt Co, LLC must immediately cease all communication regarding this account with me.

2. Verification of Debt : Provide documented proof validating the accuracy of this debt, including a complete history of the account and original agreements. 
3. Correction or Deletion : If the debt can not be validated with accurate documentation, it must be removed from my credit report immediately.

Please investigate this matter promptly. Attached is a copy of the relevant credit report information for your reference. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide an update on the status of your investigation. 

Sincerely, [ XXXX XXXX ] Enclosure : Screenshot of the Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXXXXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Account Name : radius XXXX XXXX number # XXXX Account Name : XXXX XXXX  Account Numb # # XXXX Account Name : XXXX XXXX  Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Credit Name XXXX XXXX  Creditor Name : Inquiry Date : XX/XX/XXXX Credit Name : XXXX  DATE XX/XX/XXXX Credit Name : XXXX  Date XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action on this issue. 
XXXX  XXXX

Company response to consumer: Closed with non-monetary relief