vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was contacted about this debt back in XX/XX/2023 where I requested information on how to dispute the debt in question as the debt they are discussing was a scam that my bank blocked and therefore I have to responsibility for. I never received a mailed in packet like I was told I would. I tried to follow up and was told I was also sent an email but they have the wrong email on file. Gave them new email address but was never provided with an email. We then moved out of state. When I was contacted again I explained I never received the information I requested and then gave them my updated information once more. Again, did not receive the information. On XX/XX/2023 I received another call. This time I was transferred to speak to a supervisor. This conversation lasted XXXX minutes. During which I explained again that the charge was a scam and I do not owe the debt. I had to ask multiple times, no less than XXXX, for them to send me the dispute information. This person repeatedly told me if I dispute the debt it would be a difficult process and I should just settle with the amount the disclosed. Me repeating myself several times did not deter this person from relentlessly expressing I just " needed to pay '', patronized me by suggesting my mom probably " help '' pay my finances, and ignored everything I said in regards to disputing. When I finally got him to send me the email while on the phone he agressively told me I needed to send him all the information I had back to him right there on the spot while still on the phone. He then said I needed to also have it notorized before sending it, which he knew was not possible. When I said that he laughed and said " exactly so we should just settle it ''. I am so disgusted with this XXXX minute phone call and the absolutely manipulative nature of trying to obtain money for something I have proof of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I went online to my account and paid the full amount that was owed and called Chase that same day and told them I was closing the account. 

Almost 2 months later I get a text and an email stating my account is past due. I looked online and the same day my payoff was posted, other charges were posted. along with {$95.00} of interest. I asked them what that was about they claim it is billed in arrears and these were charges coming over on next statement... I told them that when you pay online it does say this is not your payoff, like an auto loan or home.. I never received a notification stating that I owed any more money until it is 16 days past due. 

I had an account with them for like 10 years maybe more have paid tens of thousands of dollars and have excellent pay history with them, this is so deceiving and completely unacceptable. 

I attached a copy of billing charges and a screen shot that shows amount owed and underneath states current balance not a statement that this might not be your payoff so contact us .....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 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 accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to XXXX XXXX XXXX XXXX  and my state atttorney general office.

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 2023-10-06 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 accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to XXXX XXXX XXXX XXXX  and my state atttorney general office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -XXXX -- -- - XXXX FIN XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -Experian -- -- - XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Flat Branch Mortgage, Inc.
State: MO

Complaint narrative:
I hope this message finds you well. I want to address a matter of utmost importance. If you are unable or unwilling to assist me in filing a complaint, I kindly request that you connect me with your manager or someone who can facilitate the process. 

It is crucial that I file a complaint as soon as possible, and I appreciate your cooperation in ensuring that this matter is escalated appropriately. 

But The Manager XXXX XXXX at Flat Branch home loan not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX, XXXXXXXX XXXX, I took a taxi ride in XXXX XXXX that was supposed to be XXXX XXXX pesos according to the taxi meter. The driver charged XXXX XXXX pesos to my American Express. I received an alert about 45 minutes later from American Express. I immediately called American Express and said this is a fraudulent amount on the charge. I was assured by American Express that this would be taken care of. 

On XX/XX/XXXX, I see that American Express accepted the charge from the merchant despite my calling immediately on XX/XX/XXXX. The XXXX at American Express re-opened the dispute for amount of XXXX XXXX XXXX minus the XXXX XXXX XXXX ( which I was supposed to pay ). This dispute was ~ {$2700.00} XXXX 

I provided detailed documentation of where I was on XX/XX/XXXX during the time of the transaction and how there is no possible way a XXXX taxi ride could be XXXX XXXX. 

Amex requested documentation from the merchant and they provided a paper showing a XXXX XXXXXXXX XXXX  charge with a signature that was not my signature. I told American Express that I was never presented anything to sign and I was had never seen the merchant documentation they presented. The driver also said they could not provide me a receipt. I then sent American Express a copy of my driver 's license to show how the signature does not match mine. 

Despite all the documentation I have provided, making at least 10 calls into American Express and being a card member for 28 years with a flawless payment record. American Express is still not helping with my dispute. 

Further, I spoke to another manager about this on XX/XX/XXXX. She said she would personally handle this and review all the documents I have sent in detail. She would then call me back. I never received a call back from the manager. And, American Express debited the money from my bank account without my authorization. 

I am hoping that the CFPB can help me with this case. 

I also have no choice but to engage with a consumer protection attorney on this matter. 

I always had the impression that American Express was diligent about consumer protection but I have come to find is is exactly the opposite. I have spent numerous hours of this and have experienced a great deal of stress trying to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to formally file a complaint against Portfolio Recovery for their erroneous and, in my view, malicious handling of an account originally held with XXXX. I believe the conduct of Portfolio Recovery not only tarnished my reputation but also violated the guidance and directives given by the Consumer Financial Protection Bureau ( CFPB ) to debt sellers and collectors. 

To provide a comprehensive context : Timeline & Details of Debt Sale : In XXXX, the CFPB directed XXXX to cease selling debt that it could not validate and to ensure that the debt it sells is documented accurately. Subsequently, in XXXX, a debt amounting to $ XXXXwhich does not align with my recordswas sold to Portfolio Recovery. I was made aware of it by a phone call from one of their reps in XX/XX/XXXX. 

I promptly requested debt validation. In response, I was merely provided with a letter stating the amount owed and two ambiguous statements without any transaction history. This does not constitute adequate validation. Additionally, Instead of properly addressing my concerns, Portfolio Recovery simply annotated " consumer disagrees '' on my credit file. 

Now comes the litigation without notification. I'm currently seeking a change in employment and found out as I was searching my online reputation that without providing prior notification to me, Portfolio Recovery filed a lawsuit in the XXXX XXXX, NJ courts on XX/XX/XXXX. I have the docket number and it was initiated by their lawyer XXXX XXXX. I was never formally served for this lawsuit. 
The records indicate that the courts reached out to Portfolio Recovery nearly a year later due to inaction on their part. In response, they filed a dismissal without prejudice. Not only should that lawsuit never have been filed and become part of my public record, but when they dropped it they should have dropped with WITH prejudice, given they clearly lack any evidence to ever follow through, and not without prejudice. 

Based on what I've read in consumer rights, this is a violation of CFPB directives. The behavior of Portfolio Recovery mirrors the scenario highlighted in a recent reprimand earlier this year where they were found to be initiating lawsuits without producing required documents and without appropriate follow-through. Consequently, this record is publicly accessible and adversely affects my personal and professional reputation. So, now, not only is my credit record stained by this, now anytime someone googles me or does a reputation search for me it shows up and is tainted as well. 

In closing, I hope the CFPB can take action to address this significant oversight by Portfolio Recovery. 

Thank you for your time and attention to this pressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: MS

Complaint narrative:
I have a loan with Lendmark Financial located in XXXX, XXXX XXXX I have a grace period until the XXXX of each month, but Ive received a phone call everyday since XXXX and 3 times today XXXX from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is very stressful as I am already dealing with health issues. A payment will be made today, I understand the contract I signed I dont need the harassing phone calls making my condition worse than it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: GA

Complaint narrative:
Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Equifax and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.

Under 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXXXXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I am reporting this company for trying to collect on a fraudulent debt by XXXX, who I have spoken with and has agreed that all I need to send them is a police report, about the fraudulent account opened in my name. To which I have done. These people keep sending me emails and saying that I owe, when I never opened the XXXX account in the first place. I want these people to know that just like I warned XXXX, litigation will commence against them, Just as it will against XXXX unless you all remove this fraudulent debt from my credit reports IMMEDIATELY!!! And NEVER PLACE THEM IN MY CREDIR REPORTS EITHER.! ( XXXX, XXXX, & XXXX ) or according to my attorney, they will be sued to the fullest extent of the law permissible. Delete this fraudulent debt or face the consequences for said actions.

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 2023-10-06 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: TX

Complaint narrative:
I wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX ..Account # : XXXX XXXX. XXXXXXXX XXXX XXXX... Account # : 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 2023-10-06 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: TX

Complaint narrative:
I wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3XXXX XXXX XXXXXXXX. Account # : XXXX 4. XXXX ..Account # : XXXX 5. XXXX XXXXXXXX XXXX... Account # : XXXX

Company response to consumer: Closed with non-monetary relief