vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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:
I sent my dispute letters and uploaded proof of Address. I need all negative accounts remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collections Service has failed to provide any documentation giving them the legal right to say i owe them an alleged debt in the amount of {$160.00} and to respond to my cease and desist notice sent on XX/XX/XXXX to an address specified herein. Credit Collections Service has reported this Deceive and inaccurate information on my credit report to XXXX, XXXX, and XXXX without my consent tarnishing my character and general reputation. Credit Collections Service has abused and deceived me into believing that I was obligated to pay this alleged debt. Credit Collections has violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Dodd-Frank Act and must be held accountable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim

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 2024-10-19 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: GA

Complaint narrative:
TRANSUNION FILE # XXXX I disagree the accounts listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law XXXX title VI section XXXX subsection XXXX please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 
Company Name : XXXX  Account # XXXX Company Name : XXXXXXXX XXXX Account # XXXX Company Name : 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 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 non-monetary relief
Consumer complaint received 2024-10-19 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: NY

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened a checking and savings account on XX/XX/24 along with a credit card at Chase bank.I paid my credit card bill before even receiving a statement. When I visited the bank for the first time to withdraw funds, I was treated poorly by the teller and denied access to my money. After requesting to speak with a manager, the person I spoke towho I later discovered was actually the managerclaimed the manager wasnt available. Neither the teller nor the manager provided any explanation for why my transaction was denied, even after asking me a series of questions. I went to another branch immediately & successfully withdraw funds from my account without any issues. I also filed a report against that teller that day. 

About 2 weeks later, I found out that my credit card, checking, and savings accounts, including a custodial account for my dependent, had all been closed. When I asked for more information, I was not told the reason for the closure, except for a note from the teller saying I had been rude to her. I asked them to review the camera footage to prove the teller was being dishonest, but I was informed they would not investigate further or reopen my account. I received no assistance, and I still dont know why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I do not acknowledge this debt and respectfully request the United States Department of Education remove this debt from my records. XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full which I assumed from my PSLF or by President Bidens Loans Forgiveness. Credit reports indicate that since late XXXX that the US Dept of Ed has been reporting that this account was current or paid as agreed which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full.The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from debt collectors who improperly report debts to credit reporting companies. The original Student aid servicer was XXXX.Studentaid.gov indicates my loan servicer as Dept of ED XXXX. XXXX indicates that a Direct Consolidation Loan Application and PSLF was submitted on XX/XX/XXXX. It indicates the consolidation disbursement on XX/XX/XXXX of {$36000.00} for the consolidation and now shows a balance of {$46000.00}. Default resolution Group say {$47000.00} owed. US Dept of Ed Debt Management and Collections myeddebt.ed.gov shows a last payment of XX/XX/XXXX. XXXX XXXX at XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full. I assumed from my PSLF or by President Bidens Loans Forgiveness. Credit reports indicate that since late XXXX that this account was current or paid as agreed which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full. Now the US Dept. of Education is indicating to the credit reporting companies that this account began in XXXX of XXXX, that I am in default and they just changed the balance again lowering it between XX/XX/XXXX and XX/XX/XXXX, by {$250.00} from {$46000.00} to {$46000.00}. 

All of these fluctuations, changes and inaccurate information keeps my credit scores and reputation bouncing back and forth and the stress is damaging my mental, physical and financial health! Again, I do not acknowledge this debt as XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full. Credit reports indicate that since late XXXX that the US Dept of Ed has been reporting that this account was current or paid as agreed ( Example See " XXXX  Terms met '' & " XXXX XXXX reporting '' attachment ) which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent money via Cashapp to someone on XXXX XXXX. However, when I learned that the person does not have access to the account anymore, I issued a refund for the money and explained the issue to customer service via Cashapp App. 
When I provided proof that the person stated that they no longer had access to the account and showed the transaction in question, they still said that they couldn't issue the refund because it went through and that the person would have to contact them. But, my aunt is elderly and can't do this herself. I explained that to Cashapp, and still they said that they can not help me. 

I literally went in circles with Cashapp customer service, and have yet to receive a refund from Cashapp. They did not reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of XXXX XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I have student loans from about 15 years ago. They were set to go back into repayment in XXXX. I called Mohela in XXXX and explained that I am a full-time student enrolled at XXXX XXXX XXXX They stated they needed that information from my school to confirm my enrollment. My school updates student enrollment information to the XXXX XXXX XXXX every month. Mohela received that information at least twice between the time of that contact and XX/XX/XXXX when the first payment was due. On XX/XX/XXXX, I realized that my account showed I still owed the payment. I attempted to call Mohela and opted to receive a callback from their customer service. When they called back, my phone rang for exactly two seconds and went to voicemail before I could answer it. I went to their website and sent a message about the issue and also uploaded a document I received from my registrar confirming my enrollment. I never heard back from them. I am still getting communications from Mohela requesting payment and stating that my account is past due. They are currently servicing an additional loan for this semester in which I am currently enrolled but can't understand that I am a student who is currently enrolled. I don't even have the words to express how absurd this all is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I applied for bread cashback credit card because i got an offer in the mail. The application went smooth, i give it that, but the experience after the application is absolutely horror, i remember the screen said i didnt have to wait until the card comes as i can use virtual credit card, great. But when i clicked the button? it said something went wrong. Few days later, i received an email saying that i can add the card on my XXXX XXXX, so i did that, but i needed to call in to activate the card. So, i called and spoke with the rep, i answered questions to verify my identity to the rep, and even after the rep verified my identity, the rep said " oops no we cant activate the card. '' Another time wasted, i know the call was recorded, go ahead listen to it. Then today i received a letter from you saying you cant verify my identity and i need to mail information that can verify my identity. Wow! Great job whoever is at the backend, i have XXXX credit score, XXXX derogatory marks, never once missed a payment, and XXXX active credit cards. By far, bread cashback is the worst XXXX awful credit card i have experience with. No, i will not mail my identity just to some random address you sent me to whoever incompetent employee at the receiving end that could steal my identity and waste my time again and again. Lets save ourselves times and feel free to cancel the card and close the account. I also would like to complaint because of applying for the credit card, my scores tanked by a several points and it would have been fine if i could use the card, but now not only my scores tanked, i cant even use the card. Businesses like Comenity should be fined by CFPB for wasting consumers times just to teach them a lesson for other institutions not to waste people time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION XXXX  {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification 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 2024-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I purchase a vehicle for {$6000.00} but at didnt have the full amount I give the {$4000.00} a month later a received a phone call from MidAtlantic finance they told me that I have a loan with them for the vehicle that I purchased. 6 months later I have trouble paying the car then the come and repossess the vehicle and told me that I purchased the vehicle for {$11000.00} something now I have {$6000.00} something to pay back when I ask them for the vehicle back they told me they sold it on a auction for {$4000.00} something and I still have to pay them back so please help me with them Mid Atlantic finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-10-19 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies pay a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account XXXX XXXX XXXX. I request a thorough investigation into these discrepencies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to provide, I am demanding that these payments be updated to on time, never late, as I have consistently upheld my obligation.

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