vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
I sent in a dispute letter to Equifax for removal of fraudulent account XXXX XXXX XXXX Bank for the amount of {$7900.00} that was opened on XX/XX/year>, which Equifax refuse to remove, which I was sent a letter stating the account was verified. The account could not have been verified because I never opened or authorized for this account to be opened. I was sent a letter from XXXX XXXX XXXX bank after contacting them about this matter, which stating that I would not be responsible for the account above due to their investigation finding me not liable, which I provided to Equifax along with my FTC report and identification. Equifax continues to lie about their investigation about verifying the fraudulent account above and continues to send computer generated letters. If proper investigation with completeness and accuracy per 15 U.S.C 1681e ( b ), Equifax would have found that the account does not belong to me. I provided all documentation that was requested to Equifax. I have disputed this account several times, and request for this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Property Taxes in Escrow did not get paid to my village by the due date, NewRez assures they will automatically be paid and not to worry about it. I now am in the new tax year and they are still listed as unpaid and the money is still showing in my escrow account

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 2025-01-07 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas XXXX Email : XXXX Phone : XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: OK

Complaint narrative:
I filed XXXX XXXX Bankruptcy and included my auto loan with XXXX XXXX XXXX XXXX. However, they keep saying I have late payments with them for the past 12 months and that I still owe for the car to all three credit bureaus. When it was included in my XXXX  XXXX Bankruptcy.

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 2025-01-07 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: OK

Complaint narrative:
I filed XXXX XXXX Bankruptcy and included my auto loan with XXXX XXXX XXXX XXXX. However, they keep saying I have late payments with them for the past 12 months and that I still owe for the car to all XXXX  credit bureaus. When it was included in my XXXX  XXXX Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: OK

Complaint narrative:
I filed XXXX XXXX Bankruptcy and included my auto loan with XXXX XXXX XXXX XXXX. However, they keep saying I have late payments with them for the past 12 months and that I still owe for the car to all XXXX  credit bureaus. When it was included in my XXXX  XXXX Bankruptcy.

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 2025-01-07 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account Name : MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX. ) Account Number : XXXX My social security number has been compromised from the social security breach that occured in 2024, access to the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: TX

Complaint narrative:
I called LJ Ross and associate to find out about a bill that is in my name and was reported in XXXX. I spoke to him today XX/XX/XXXX and requested an actual bill and he said that he could not give it to me. He has no copy of a bill. He then said that he can help me to clear up the bill by disputing it and all I have to pay is {$300.00} today but when I ask him about the bill, he said that he can not provide that he said the only way he can give me any form of paperwork to prove anything I have to pay the {$300.00} or more in other words he can not give anything to me. I felt scammed and as if they were just into it for getting money from me, Im so happy I did not give them any money until Ill be able to figure out the bit what XXXX then I will do whats necessary.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have used Venmo somewhat regularly for the past 5-7 years. I've since stopped using it as my main vehicle for sending money due to how poorly my account was managed. Over the last 3 attempts to accept/send money, my account has been Suspended for " Suspicious Activity ''. I needed to add a bank account to my profile as my debit card that had been attached was hacked and the number was no longer usable. I was able to get a small loan for my insurance and bills that I need to pay, and if I were to use any other company, I would've had my phone paid and car insurance. Well now I can't get home from work and I need to wait 3-5 business days for them to verify that the account is mine although I have taken a picture of my license and sending to them, which in itself felt sketchy and unprofessional. It seemed that the verification software was a 3rd Party service, which means I have no clue where my data is going. It's unfair when there are at least 5 major organizations I can choose and the one I choose disables any ability to send and receive money. I thought we might have fixed the issue the last time I called, but nobody seems to take action to help me. I've never complained like this before, but I feel taken advantage of and on the count that this has happened 3 times has sent me over. I just wanted an explanation and for my funds to not be frozen. This is happening to so many people. With major privacy concerns, terrible customer service and strategy integration, scams, and a variety of other things, ( my problem being at the top of everybody 's list ) has gone unpunished for too long. I hope this message brings people awareness to show that there are better options with a customer-first approach that you should use rather than this terrible terrible organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 need your assistance in addressing accounts where companies are inaccurately reporting late payments. After being laid off, I asked for payment forgiveness, and they agreed, but they continue to list them as late. Ive tried contacting them but have received no updates, so Im reaching out to you as a last resort

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 2025-01-07 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:
I need your assistance in addressing accounts where companies are inaccurately reporting late payments. After being laid off, I asked for payment forgiveness, and they agreed, but they continue to list them as late. Ive tried contacting them but have received no updates, so Im reaching out to you as a last resort

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I purchased a flight and reserved a hotel using my Chase Sapphire Reserve credit card. Due to a bodily injury, I had to cancel the trip, which should be covered by the card 's travel insurance. However, when I tried to claim a refund, I encountered a frustrating situation : The Chase benefit department declined my claim because I lacked a " flight cancellation '' email. 
I booked through the Chase travel portal, but they couldn't provide the cancellation email. 
Chase Travel verbally confirmed to the benefit department that my flight was canceled and non-refundable. 
Despite this, the benefit department still denied my claim due to the missing email. 

This created a circular argument, with neither party taking responsibility, even though all transactions were made through Chase ( credit card and travel portal ). I've called both parties multiple times, but they couldn't resolve the issue. One insisted on the cancellation email, while the other claimed they couldn't provide it. 
The travel insurance guarantee offered by the Chase credit card now seems questionable, as I'm unable to make a successful claim despite meeting the coverage criteria. 

Specific timeline and details : XX/XX/XXXX, booked the flight through chase travel portal ( trip id XXXX ) XX/XX/XXXX, called chase travel to cancel the flight ( the history can be seen by the company ) XX/XX/XXXX, file a claim to Chase benefit ( claim number XXXX ) and provided all the documentation excepted the flight cancellation email. I'd been calling Chase travel and Chase benefit to resolve this issue ( at least 5 times ), they kept telling me that they " made a note '' to my case but nothing had happened to my case. 
XX/XX/XXXX, called the flight company ( XXXX ) to ask for a cancellation email, however they said that my flight was booked through Chase travel portal, so Chase travel will be responsible to send out the cancellation email. 
XX/XX/XXXX, called Chase travel again, this agent ( XXXX, id XXXX ) verbally confirmed to Chase benefit that my flight was cancelled and non-refunadeble. 
XX/XX/XXXX, called Chase benefit, and they confirmed that they can see the note on my claim case, saying that Chase travel had confirmed my flight was canceled in the " note '' section. 
XX/XX/XXXX, got claim denial email from Chase benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 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: SC

Complaint narrative:
while reviewing my Equifax credit report I noticed that the account # XXXX is inaccurately reporting and using my credit report inaccurately according to Title 15 US Code 1681b that states 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. This account shows inaccuracies with payment reporting and account status. the company has not verified any connection to me and this account and can only furnished typed electronic paper That does not verify ownership of this account. I do not and have not opened an account with this company or any other company. According to title 15 US code 1692 I exercise my right to cease communication with this debt collector. Under code 1692g there is no validation of this debt. I requested legal documentation with a verified signature on XX/XX/XXXX and the company responded with a electronic typing which appeared to have my name on it. Due to my involvement in the XXXX Equifax data breach, I strongly stress that this item be removed based on Title 18 Us code 1028 I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX  account ( account # ending in XXXX ) and they incorrectly charged me an additional month after fulfilling my 12 month account when I canceled and also charged me {$50.00} for returning the equipment, which did not make any sense. I disputed both and they said they would get back to me. I heard nothing from them until I got an alert on my credit report that I have a collection from Credit Collections. I was given a phone number that led me nowhere and XXXX only said that's the number they have and no further information. 

This is a very big problem with XXXX and this very suspicious collections agency. I am unable to speak with them and this is impacting my credit unfairly and what should be unlawfully. They have no basis in putting a collections against me and I would like this to be investigated to remove their ability to do this to me and other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 

XXXX, TX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX : Formal Cease and Desist Letter To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt referenced in your correspondence. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Your continued attempts to contact me regarding this matter, if not in compliance with the FDCPA, could be considered harassment under the law. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Supreme Court reinforced the applicability of the FDCPA to debt collectors, and violations of these provisions will not be tolerated. 

Additionally, in XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX emphasized that debt collectors are responsible for compliance with the FDCPA, and ignorance of the law is not a valid defense. 

I no longer wish to be contacted regarding this matter by phone, mail, email, or any other form of communication. All future correspondence must be limited to written notices as permitted by law and only to inform me of any specific legal actions you intend to take concerning this alleged debt. 

Additional Requests 1. Verification of the Alleged Debt : Provide detailed documentation to validate the existence of this debt, including the original creditor 's name, the date of the debt, and the exact amount claimed. 

2. Confirmation of Compliance : Acknowledge in writing that you have recorded and will honor this cease-and-desist request in accordance with FDCPA regulations. 

Notice of Rights This letter does not serve as an acknowledgment or admission of the validity of the debt in question. Any attempt to pursue collection activities after receipt of this notice, except as explicitly permitted under the FDCPA, may be considered willful noncompliance. Such actions will compel me to take further steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's Office, and pursuing appropriate legal remedies. 

I expect your written confirmation of this cease-and-desist request within 10 business days of your receipt of this letter. Please direct all necessary correspondence to my address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brennan & Clark, Ltd., LLC
State: PA

Complaint narrative:
To date, our office has received XXXX dunning letters from Brennan & Clark claiming we owe {$2500.00} in over payments by XXXX XXXX XXXX for patient care rendered more than XXXX years ago. Brennan & Clark claim that the return of these monies is past due and must be paid immediately. When my receptionist called this firm to request any details that would substantiate these transactions, she was told that they had no intention of producing more information or spending more time talking to us. Our medical billing person called XXXX to check the details and was told that our account was currently in balance and that nothing was owed. We checked with the XXXX XXXX XXXX and found dozens of complaints regarding similar dunning notices from Brennan & Clark, many complaints specifically citing XXXX XXXX XXXX. Several of the respondents expressed their view that this firm was fraudulently claiming monies due, without providing documentation of the source of such claims. Note that although the XXXX letters were authored by XXXX different people, the signatures are written in the same handwriting. 

Given that neither we nor XXXX XXXX XXXX have any record of overpayments to our practice, we must decry Brennan & Clarks strong dunning attempts to obtain this amount. 

These claims appear to be fraudulent. Therefore, we respectfully request an investigation into this firms business practices. If any documents can be produced that prove we owe money to XXXX XXXX XXXX, we will certainly clear our account. However, given the large number of other businesses and medical practices that are reporting similar attempts to obtain payments without any documentation that shows such claims are legitimate, we ask that such dunning efforts cease, and that Brennan & Clark be made to revise their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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