vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
SUBJECT : Complaint Against XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. Alleged Attorney for Plaintiff XXXX XXXX  is a licensed New Jersey attorney, Bar No. XXXX, who is currently employed with SELIP & STYLIANOU LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; and SELIP & STYLIANOU LLP, ( Selip & Stylianou ) f/k/a Cohen Slamowitz, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX Ny, United States, XXXX XXXX for Violations of Debt Collection Practices. 

Dear Sir/Madam, I am writing to file a formal complaint against SYNCHRONY BANK, XXXX XXXX XXXX XXXX XXXX, and SELIP & STYLIANOU LLP , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ) and state laws regarding debt collection in New Jersey. The law firm is pursuing court action against me violating its terms and conditions, which mandate arbitration in the event of a dispute.

SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have disregarded the FDCPA by : 1. Violating its dispute resolution terms : Their terms and conditions clearly state that arbitration is the required method for resolving disputes. By pursuing court action instead, they are engaging in unfair and deceptive practices.

2. Unfair legal action : The firms approach constitutes harassment and abuse, as defined by the FDCPA since it contradicts their method of dispute resolution.

Additionally, the law firm has breached New Jersey state laws by : 1. Lack of Required Licensure or Registration : SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have not provided proof of their required debt-collecting licensure or registration with New Jersey state regulatory bodies.

2. Non-compliance with State Regulations : The firm has failed to adhere to state-specific debt collection regulations that protect consumers from abusive practices. 

The firms actions also raise serious concerns about their compliance with court rules and procedures : 1. Abuse of the Legal System : By bypassing the arbitration process and pursuing court action, SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP are misusing the legal system and causing undue stress and financial burden. 
2. Lack of Fair Operation : Their actions demonstrate a disregard for fair legal procedures and consumer protection laws.

I have attached copies of all relevant documentation, including correspondence with SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP, their terms and conditions, and court documents. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX, Consumer as defined by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: PA

Complaint narrative:
I received notice from a company called Unifin claiming I owed a debt, with a form to request validation of the debt. On XX/XX/XXXX, I sent the verification request letter which I will attach. I sent the letter via certified mail, which was received by the debt collector on XX/XX/XXXX as shown on XXXX records. The law states that no further debt collection attempts can be made until the debt is verified. On XX/XX/XXXX, I received a text from Unifin attempting to collect the debt, which is in violation of the law. I later received a letter, dated XX/XX/XXXX from XXXX XXXX XXXX stating that they manage the account for XXXXXXXX XXXX, and that the account is being serviced by Unifin Inc, and would be sending documentation. I received another letter dated XX/XX/XXXX stating that they had enclosed the account summary which provides verification of the debt. XXXX was a couple pages from a XXXX XXXX credit card statement, for a billing cycle of XX/XX/XXXX to XX/XX/XXXX. The statement balance on the billing statement was {$750.00}. The balance that Resurgent/LVNV/Unifin states is owed is {$1000.00}. The statement they sent does not reflect the amount they are claiming is owed, they did not send the original agreement as requested, they did not send the last billing statement as requested, and did not send any evidence of any extra charges that were added since the last billing statement. I also believe that the changing of companies is being used to intentionally be misleading, and confusing in order to trick me into paying a debt that they do not have proof I owe, of either the debt or the amount they state that I owe. I believe that the actions of the company, especially the clear cut contact within the dispute period, violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
my XXXX package was stolen and I filed a police report contacted XXXX and disputed it with my bank and XXXX said I would be refunded through my bank, but my bank denied the claim even when I sent in emails and the police chime also failed to provide any documents, used in dispute and has handled this completely wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: IA

Complaint narrative:
I was lured into what ended up being a XXXX scam the website is XXXX they had me by XXXX and I was actually doin ok it seemed and then I lost some and so I let it be for a while and then I decided I wanted to withdraw my funds for other financial needs and so they had me pay XXXX in taxes and withdrawal fees on the XXXX I have in my account and was told it would take XXXX hours to get my funds and after XXXX hours I asked where my funds were and then I was told I had to pay another XXXX to unfreeze my account which I refused and I started contacting law enforcement and other government agencies after that I have submitted complaints with u and the fbi and ftc and sec and even over seas places

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
According to FCRA SECTION 605B It is illegal to report any information in my credit report without my permission. Please remove this item from my credit report. I also have requested validation of debt including a copy of the original contract with my signature, at which I have yet to receive these validated documents. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX , has violated my rights. 
I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
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 has violated my rights. 
I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: U.S. BANCORP
State: CO

Complaint narrative:
I purchased a replacement windshield from XXXX XXXX XXXXXXXX in XXXX, CO for my truck on XXXX, XXXX  and paid {$680.00} with my Elan Credit card.The windshield installed had a manufactures defect with distortion in the glass obstructing the field of vision. The dealer knew or should have known the manufactures defect was present at the time of installation. I promptly contacted my credit card company Elan Customer Service XXXX and was advised to " contact the merchant ''. I contacted the merchant and was stonewalled. I then engaged the professional assistance of the XXXX XXXX XXXX XXXX XXXX XXXX of Colorado for assistance. The XXXX  was stonewalled by the merchant as well. I then filed a formal dispute with Elan, my credit card company who has denied posting the {$680.00} credit to my account after I followed their recommendations.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 has violated my rights. I looked up my XXXX credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. I looked up my XXXX credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Went to buy a XXXX  sent a down payment to the company via XXXX  as they were showed to be a authorized provider thru chase. After the person dis not show with XXXX  I called chase to have the transaction reversed and was told it's my fault ther refuse to reverse it. Was told it's my fault I fell for a scam. When I brought to their attention they have the person on their platform they acknowledge there is much fraud and I just need to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: TX

Complaint narrative:
Disputing the late remark that is made on my EQUIFAX report for account with XXXX XXXX XXXX, under XXXX Bank. Account number XXXX - this account is reporting a 30 day late in XXXX of XXXX. - This account was never late. As a requirement to open an account with XXXX is to set up BANK ACH for autodrafts. If XXXXXXXX XXXX looks at all of my previous accounts with them NONE have ever be late. I am in the process of purchasing my first home with my wife, and this is hindering my ability to obtain a good interest rate, as an active XXXX member.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
I HAVE TRIED AND TRIED TO RESOLVE THIS ID THEFT ISSUE WITH THEM!!! They also blocked me because they know they are dishonest and provide poor customer service. They continue to deny any solutions to resolve the issues I have explained. They essentially told me to file for bankruptcy and depend on someone who will support me, but their employees lack reading comprehension and do not understand subject-verb agreement, which shows that they do not understand that I have no one, no money, no car, or home. I tried to settle several times, but they have been dishonest and denied my attempts. I can not wait to file a lawsuit against these con artists. I AM GOING TO KEEP COMPLAINING UNTIL THEY DO WHAT I ASK AND I AM GOING TO TAKE THEM TO COURT IF THIS CONTINUES!!!

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 2024-08-04 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:
I HAVE TRIED AND TRIED TO RESOLVE THIS ID THEFT ISSUE WITH THEM!!! They also blocked me because they know they are dishonest and provide poor customer service. They continue to deny any solutions to resolve the issues I have explained. They essentially told me to file for bankruptcy and depend on someone who will support me, but their employees lack reading comprehension and do not understand subject-verb agreement, which shows that they do not understand that I have no one, no money, no car, or home. I tried to settle several times, but they have been dishonest and denied my attempts. I can not wait to file a lawsuit against these con artists. I AM GOING TO KEEP COMPLAINING UNTIL THEY DO WHAT I ASK AND I AM GOING TO TAKE THEM TO COURT IF THIS CONTINUES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: OR

Complaint narrative:
On XX/XX/XXXX I sent Equifax a letter saying : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX Since I did not hear back from Equifax, on XX/XX/XXXX I checked my credit report and saw the same incorrect information reporting on my credit report. 

On XX/XX/XXXX I sent the letter stating : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I received your letter dated XX/XX/XXXX requesting for more verification of my identity. It is enclosed along with this letter. Once again, I recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Employer : I am a XXXX XXXX XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX On XX/XX/XXXX I received a letter from Equifax not addressing my concerns at all and instead talking about my " concerns about fraud '' which was not the issue. 

I still to this date have inaccurately reporting information on my Equifax credit report. I sent in a letter on XX/XX/XXXX asking them yet again to rectify the information on my credit report ( my phone number, address, employer, etc. ) I will include the certified mail receipts for all correspondence sent on my behalf. 

I still have not received an accurate credit report from Equifax.

Company response to consumer: Closed with non-monetary relief