vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Heres a more assertive version with stronger legal language : -- - NOTICE OF DISPUTE AND DEMAND FOR VALIDATION Dear Portfolio Recovery This letter serves as a formal dispute of the alleged debt referenced above, and a demand for strict validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Take notice that I dispute the entirety of the alleged debt, including any interest, fees, or penalties you may claim. Pursuant to 15 U.S.C. 1692g ( b ), you are required to suspend all collection efforts until proper validation is provided. I hereby demand that you furnish the following documentation : 1. A copy of the original signed application or contract that created the alleged obligation with the original creditor.

2. All monthly statements and the complete payment history since the accounts inception with the original creditor, showing all charges, credits, and interest calculations.

3. Proof of the transfer of ownership or assignment from the original creditor to your agency, including all relevant agreements.

4. A full accounting of the amount you are demanding, including a breakdown of principal, interest, fees, and penalties, and how these were calculated.

Mere itemization or an unsupported summary is not sufficient evidence of the debts validity. This account does not constitute an open account, and I require clear documentation of any contractual obligation. If you fail to provide the above within 30 days, I will consider this matter closed and demand that you cease all collection activities immediately.

Additionally, be advised of the following : Any attempt to report this debt to the credit reporting agencies without proper validation will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, for which you may be held liable.

Continued collection efforts without providing sufficient validation will be viewed as harassment under 15 U.S.C. 1692d and will be reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office.

I am prepared to pursue all available legal remedies, including filing a lawsuit against your organization for statutory damages, legal fees, and other costs under 15 U.S.C. 1692k if you continue to engage in unlawful collection practices.

You are hereby notified to communicate with me only in writing at the above address. I will consider any further calls or attempts to contact me through other means a violation of the FDCPA and take legal action accordingly.

This is my final notice to resolve this matter lawfully. Failure to comply with this request will result in formal complaints filed with the appropriate regulatory bodies and possible legal action. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife and I have a joint checking account with Chase Bank. 

On XX/XX/XXXX, I did a private sale of my XXXX XXXX for {$11000.00} ( transfer copy of title available ). The buyer settled this amount by making a part payment of {$3500.00} by XXXX and the balance in multiple {$20.00} bills. I then proceeded to deposit {$7500.00} into the ATM drive thru of the same branch where we have our bank account. As there were multiple {$20.00} dollar bills in cash, I made several deposits to complete my transaction.

Unfortunately at the end when the
Chase receipt was printed, it missed two of the deposits for {$1100.00} and {$720.00}. I have proof of
the Chase receipt issued and pictures of all the deposits taken on the phone.

Having realized that these two credits were missing, I reported this to Chase Bank as soon as I reached home and claim number XXXX was created the same day i.e. XXXX XXXX. I have been following up my case with Chase Bank ever since but they have denied my claim despite having submitted all the proof. 
I have my bank statement which shows all these credits on XX/XX/XXXX and also the two debits on XX/XX/XXXX ( for {$1100.00} and {$720.00} ) as the bank claims that they could not locate my money in the ATM. 
As I was not getting any resolution on my case with Chase Bank, I registered case # XXXX with XXXX Police Department to seek their assistance.

Unfortunately, its been over 2.5 months since I have been running after my money but I have had no resolution and Chase Bank has told me that they have closed the case.

Can you please help recover this money which rightfully belongs to me.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
1. I purchased a car from the dealership, and the finance manager, XXXX, took my information and said h

e would set up automatic payments from my bank account after the loan was processed. 2. Months later, I contacted the dealership and the sales rep to We spoke on the phone, and he assured me everything was in order. 

XXXX. Around XX/XX/year>, a 30-day late reported on my credit report. I called XXXX XXXX XXXX to find out why and was informed that no auto pay had been set up.

4. I went to the dealership and obtained a letter stating that their finance manager had given me incorrect information regarding the auto pay and he had never actually set it up. This mistake by the finance manager resulted in the late payment.

I have enclosed my bank statements from that period showing double payment ( {$1200.00} ), also showing an available balance of [ {$77000.00} ], along with a letter from the dealership admitting this was their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: VA

Complaint narrative:
in accordance with the fair credit reporting act convergent account # XXXX has violated my rights.

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.

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 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was the victim of online harassment and fraud and someone threatened to publish my personal information online. I sent some money via PayPal. The next day I called PayPal to report the fraud issue. They put a hold on the funds but then transmitted my information to the fraudster. They said it was part of their standard procedure. During my initial conversation with PayPal I told them I do not want my information sent to this fraudulent account and did not want them informed. I called back after getting PayPals confirmation email. The email stated the fraudster had been informed as part of the dispute process. On the second call I was informed that this is the only process they have. This process does not protect victims of fraud and harassment. I am very concerned that this will encourage retaliation and that PayPal did not provide me a safe way to report fraud without informing the fraudster. This is a serious breach of trust and failure to provide protection to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
in accordance with the fair credit reporting act convergent account # XXXX has violated my rights.

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.

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 2024-10-26 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: VA

Complaint narrative:
in accordance with the fair credit reporting act convergent account # XXXX has violated my rights.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a past due credit card notice on XXXX/XXXX/XXXX from Chase Bank. 
I went to the account online and found the following information : Please take action : Bring your account up to date with a payment of {$610.00} on your credit card ending in XXXX by XX/XX/year>. Your card is : Overdue ( XX/XX/year> ) Suspended ( XX/XX/year> ) Scheduled for closure ( XX/XX/year> ) Projected dates and timelines ( but not payment due date ) are subject to change. 

The account showed a balance due of {$5700.00} and several late payment charges. 
Prior to the email received XX/XX/year> I had received a ) no emails from Chase Bank regarding this account, b ) no statements regarding this account, and c ) no past due notices regarding this account. Chase Bank reported this to credit agencies resulting in a significant drop in my FICO score ( typically around XXXX ). 

I immediately processed an online payment for the full amount and requested that Chase Bank reverse all past due charges and recall the past due notices to the credit agencies. A review of the account shows regular automatic payments of the full balance until a couple of months ago. I discovered that the automatic payment of the full balance was turned off, which I did not do. I turned it back on. 

My entire working life I have been a financially responsible individual, with XXXX scores in the high XXXX. My credit reports show low use of credit, all accounts ( except this one ) current, few credit accounts, and long term responsible use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Received these replacement cards and they're locked, so I still can't use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been attempting to obtain my free TransUnion Credit Report via XXXX for over 9 months and it has not been available despite me calling XXXX and TransUnion Credit Reporting Agency. I spoke with TransUnion on XX/XX/year> and the Customer Service department told me that they would refer my account to the account maintenance department and that it would take 5 days to process my account and that it would be available after that. I called back after 5 days and they could still not figure out why my credit report was not available for free through TransUnion website or XXXX. They both told me that they would send me a copy of my report in the USPS mail ; however, I told them that I still needed to be able to access my credit report on a weekly basis as required per Federal Law through XXXX. They closed my account on 3 occasions and had me restart my account though TransUnion with new Usernames and new passwords. I still am unable to access my free credit report through TransUnion Online and unable to access my free weekly TransUnion credit report through 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX XXXX XXXX XXXX Everything has to be 100 % % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the dates are inaccurate, the date last active is inaccurate, and date last payment is not accurate. 
Payment status not accurate. Even the remarks arent accurate. they didnt even finish the investigation after months of calling ( its in the remarks ). The high balance isnt accurate either! 

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( WHICH WAS DONE MULTIPLE TIMES ) Also the Credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: TX

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy. Experian has 15 days to reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX, my Fortiva Retail account was closed, and the remaining balance of approximately {$700.00} was transferred to a new credit card that was opened in my name without my knowledge or consent.

I became aware of this issue only after noticing a XXXX drop in my cr

edit score and seeing both a closed and open account on my credit report. Fortiva also added a remark stating " customer closed the account, '' which is entirely untrue. I have always maintained my Fortiva account in good standing and never missed a payment. I had no intention of opening a new line of credit, especially just weeks before purchasing a car. Fortiva had no right to close my account, transfer the balance, or open a new account in my name without my explicit consent. The remarks they left on my credit report are false and damaging. When I contacted Fortiva, they claimed this was part of an upgrade program, supposedly to offer more card benefits, and said they sent an email notifying me. They also stated that my lack of action was taken as confirmation of consent. This is not only false but also a violation of the Truth in Lending Act ( TILA ). I never authorized or requested this change. Fortiva has now promised to reverse this and resolve the issue within five days. However, I do not need this on my credit report right now, as I am about to purchase a car and have been actively working to maintain my credit in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-27 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-10-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have one unused {$100.00} XXXX gift card that expired XX/XX/XXXX and one unused {$25.00} XXXX gift card that expired XX/XX/XXXX. The issuer of both directs me to the website XXXX with phone number XXXX. I called them to get replacement cards and they said that since they expired, there are no cards on record with these card numbers.

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