vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/year> I received a call from Regional Finance to informed me they sent a live check/unsolicited check to an address that I have NOT reside at for the past 3 years, also to informed me the check was cashed on XX/XX/XXXX, I explained to them that I had no knowledge of that check and I was not the person who cashed it. Later that day I went to Regional Finance in person to speak to someone who could help me, I spoke to XXXX XXXX the General Manager, he told me he was going to submit a ticket and that the fraud department was going to mail me/contact me about an affidavit for me to sign and return to them, he also ask for a copy of my drivers license and my current address and email, he also told me the amount on the check was {$1700.00}. Its XX/XX/XXXX and I have not received anymore information about this matter. I want to get this resolve before it affects my credit, finances and emotional health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MA

Complaint narrative:
Unauthorized inquiry from XXXXXXXX XXXX has hit my account as of XXXX and this was not completed by me, the consumer. This is violating my rights and is fraudulent. This aligns with code 605B.

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 2025-01-04 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
Hard Inquires Personal loan ONEMAIN XX/XX/year> XX/XX/year> I did not authorize the above hard inquiries. 
Phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MA

Complaint narrative:
I am a victim of Identity theft. I never gave any written consent to any credit reporting agency to furnish my credit report as required by law pursuant to 15 US 1681b ( a ) ( 2 ). Permissible purpose is written consent. No consent equates to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited checks of {$160000.00} into my Bank of America account on XXXX XXXX. After XXXX weeks check cleared and I withdrew {$11000.00} and I had a balance of {$150000.00} I wired {$140000.00} to purchase goods and services and bank held my account. I went to the bank they told me theyre investigating into the matter, after about a week I went to the bank again and they told me theyre still investigating. I called bank and they linked me with fraud department, they told me sender of check made a claim which isnt true. After 2 days I called again they told me theres no claim and that my account has no problem so theyll send me a check of closing balance. Since XX/XX/XXXX till XX/XX/year> Ive not received the check. When I call, they just tell me to keep calling back because theyre still investigating into it. Its 8 to 9 months and my money is still stuck with Bank of America

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am disputing a debt with Southwest Credit Systems and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that Southwest Credit Systems has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that Southwest Credit Systems provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a debt with National Credit Systems and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that National Credit Systems has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that National Credit Systems provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: UPGRADE, INC.
State: CA

Complaint narrative:
Subject : Request for 1099-C Forms and Account Information Dear Upgrade , Inc. , I am writing to formally request specific information regarding the following accounts reported as charged-off on my credit report : Under 26 U.S. Code 6050P, creditors are required to issue a Form 1099-C for any cancellation of debt of {$600.00} or more. A charged-off debt is considered a cancellation of indebtedness and is reportable as income. Please provide the IRS Form 1099-C for these accounts immediately.

In addition, I request the following information for each account : The date the account was charged off.

The account 's closing date.

The date the account was first reported to the credit reporting agencies.

The date the account was last reported to the credit reporting agencies.

Please provide the requested documentation and information within 10 business days of receiving this letter. If you have not issued a Form 1099-C for these accounts, please provide a written explanation as to why you believe you are not required to do so under the law.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-04 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Payments were made timely, XXXX late payment was shown that does not reflect my credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated. Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. Under 15 U.S.C. 1681, Section 604A, Subsection 2, a consumer reporting agency can not furnish an account without my explicit written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I am requesting the immediate correction or removal of the erroneous late payment from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I deposited a check into my account and they held it for a week until it cleared..now they saying I cant withdraw my funds from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/24 to Rocket Mortgage in the amount of {$3700.00}. I missed XXXX payment and they sent me a statement towards the end of XXXX requesting both XXXX and XXXX payment. I thought it was a fair enough request so I obliged and sent in the payment for both months in the amount of {$3700.00}. I just received a statement from Rocket Mortgage that I am two months behind and I owe them for both XXXX and XXXX payment. I contacted Rocket Mortgage on XX/XX/24 and a representative states that the excess money sent was applied to the principle and not XXXX statement and there was nothing that could me done. I then demanded to speak to someone else in authority and I was forwarded to a voicemail to whom I know I will never get a call back from. Im not sure where Rocket Mortgage thinks I am going to find this extra money to pay them when I had already sent in the total due at the time and now they are looking for more money like its so way to come up with in this economy and feel that they should not be held accountable for their mistakes. I feel as though this is a criminal act that was committed against me. Please assist I have a good track records of payments. Thank you. FYI, my monthly mortgage payments are {$1800.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is in violation. XXXXXXXX XXXX  XXXX is a servicer over this aledge collection which is a debt collector trying to collect a debt, and that I owe a debt and they will be collecting from me. XXXXXXXX XXXX XXXXXXXX are ruining my credit worthiness and reputation and deformation of my character. This is extortion and I feel abused and so violated by what this debt collection agency is doing to me. Ive requested that XXXXXXXX XXXX XXXXXXXX send me validation of debt and they sent me verification of statements. XXXXXXXX XXXX XXXXXXXX please provided me with the following : 1. An agreement with your client that grants XXXXXXXX XXXX XXXXXXXX the authority to collect on these alleged debt collections 2. A signed agreement that was made with XXXXXXXX XXXX XXXXXXXX, or verifiable proof that theres a contractual obligation to pay on these alleged debt collections 3. ANY agreement that bears signature agreeing to pay XXXX XXXX  XXXX 4. Proof of how much this debt collections were purchased for 5. ANY and ALL insurance claims made by XXXX XXXX XXXX, or any other creditor regarding this debt collections 6. The Name and Address of the bonding agent for XXXX XXXX  XXXX in case legal actions becomes necessary. XXXX XXXX  XXXX has 15 business days from todays date XX/XX/year> to provide me with these XXXX request via postal mail. XXXX XXXX  XXXX claims can not and will not be considered if the above request is not fulfilled. This an another validation pursuant to the Fair Debt Collection Practice 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The payment trying to be recouped was confirmed and cleared XXXX. 5 months later, the practice comes and says I actually owe {$730.00} despite my XXXX XXXX confirming to me that it was covered. This can be debated as violating the No Surprises Act. I provide ample evidence hoping you all clear it on your side. I follow up as seen in the previous email. Then, randomly, the bill is reduced to {$64.00}. This doesnt make sense since all the visits had a copay of {$25.00}, and {$64.00} isnt a multiple of {$25.00}. XX/XX/year>, I receive a letter of an attempt to collect debt for this {$64.00}. I log on to the portal, and the balance is somehow now {$320.00}. XXXX XXXX  clearly has an issue with their system which is not mine to fix. XXXX call to XXXX giving them the claim number would confirm that everything from those dates was covered with {$25.00} copay for each of the XXXX visits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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/year>

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 2025-01-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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/year>

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I pay money into escrow for PennyMac to pay my homeowners insurance. PennyMac has failed to pay my homeowners insurance policy with XXXX on time which has caused my homeowners insurance to be dropped. Supposedly PennyMac sent a bulk check out on XX/XX/XXXX. XXXX  insurance has not received payment as of XX/XX/XXXX. I have paid {$200.00} in hopes to keep homeowners insurance policy active but it appears XXXX insurance may have canceled my homeowners policy due to non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I am writing to dispute the reporting of a debt collection account by Midland Credit Management, which I believe is inaccurate under the Fair Credit Reporting Act ( FCRA ). 

In accordance with Section 609 of the FCRA ( 15 U.S.C. 1681g ), I am requesting verification of this debt, as I believe the account contains inaccurate information. Specifically, the issues I wish to dispute are as follows : 1. Midland Credit Management is not the Original Creditor : Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), a debt collector is required to report accurate information. Midland Credit Management is not the original creditor and has failed to provide adequate documentation proving they have legal standing to collect on this debt. I request verification that Midland Credit Management has the right to collect this debt, as required under Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors must provide a verification of the debt upon request.

2. Inaccuracy in the Reporting of the Debt : The account in question may contain errors regarding the amount owed or other essential details. In accordance with Section 611 ( a ) of the FCRA ( 15 U.S.C. 1681i ), I am requesting that an investigation be conducted into the accuracy of this account. If the account is found to be inaccurate or unverifiable, I request that it be removed from my credit report under Section 611 ( a ) ( 5 ) of the FCRA.

As per Section 611 ( a ) ( 1 ) of the FCRA, I am entitled to a response to this dispute within 30 days. Therefore, I request that you investigate this matter and provide me with the results of your investigation. If Midland Credit Management can not provide sufficient evidence to substantiate this debt, I ask that the account be deleted from my credit report as it is causing harm to my creditworthiness. 

Please confirm receipt of this letter and inform me of the steps you will take to investigate and resolve this matter. I look forward to your prompt attention and response, as required by law. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
I was the victim of a scam involving someone impersonating Chase Bank. On XX/XX/XXXX, I received a call from someone claiming to be a Chase representative, who convinced me to provide my cvc under the pretense of verifying my account or addressing fraudulent activity. Believing it was a legitimate request, I provided the cvc without understanding it was part of a scam. 

Shortly after, unauthorized ATM withdrawals were made from my account, totaling [ {$190.00} & {$500.00} ]. I reported these transactions to Chase immediately and opened a claim. Initially, Chase refunded the disputed amount, but the funds were later withdrawn from my account again without clear explanation. 

Chase has since denied my claim, stating that the transactions were authorized because the PIN/CVC was used. However, I was scammed into providing my PIN by someone impersonating Chase, and I had no knowledge or intention of authorizing these transactions. I have repeatedly explained this situation to Chase representatives and provided supporting information, including a detailed report of the fraudulent call and transaction history. 

Despite my efforts, Chase has refused to refund the stolen funds, leaving me unfairly responsible for losses caused by fraudulent activity. I am seeking a resolution that acknowledges the circumstances of the scam and restores the funds taken from my account.

Company response to consumer: Closed with explanation