vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 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: FL

Complaint narrative:
I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc.
State: NV

Complaint narrative:
I have tried Factor trust and they don't provide me with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yesterday XX/XX/2024 at XXXX I deposited a check for {$2000.00} and received a receipt saying the Funds would not be available until XX/XX/XXXX ( XXXX business days, XXXX calendar days ). The ATM does not advise how long deposits will be held, nor does Chase conspicuously notice its policy on check holds. Once the check was deposited, the teller claimed neither he nor a bank XXXX could retrieve my check or void the transaction but gave me a number to call to see about getting the hold released. After a XXXX minute wait on hold a Chase representative answered the telephone and advised me the hold could not be removed until after the check was out of pending status in a few hours. I was told that if I called back after XXXX the check would be out of pending status and I could get the hold removed. I called back at XXXX pm and after about a XXXX minute hold I spoke to a Chase representative named XXXX who told me that the pending status would change before midnight and I could call this morning ( XX/XX/2024 ) and see about getting the hold released. 

My understanding is that XXXX XXXX  XXXX allows banks to hold checks a reasonable amount of time which is XXXX or 3 days but no longer than XXXX. It appears to me Chase is clearly violating the Federal Reserve XXXX as to holding checks, and providing notice. They also are deliberately misleading consumers as to who can release holds and when they can release them forcing consumers to spend valuable time on hold on the phone just to be lied to, mislead and patronized when attempting to cash a check. I also believe they are being disingenuous about being able to return a check from the ATM or void an ATM transaction, especially when the transaction was conducted at an ATM located in a Chase Branch lobby.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
I received a letter from Credit Management Company attempting to collect a debt ( copy attached ). I responded to their letter via certified mail on XX/XX/year>24 ( receipt and proof attached ) requesting that : As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they validate the alleged debt. The request was a twofold-validation of debt and HIPAA authorization . I requested they provided breakdown of fees including any collection costs and medical charges.Provide a copy of my signature with the provider of service to release my medical information to them. And to Cease any credit bureau reporting until the debt has been validated by me. 
On XX/XX/year>24 I received a letter in the mail from Credit Management Company stating that they expect a settlement of the debt but did not include any validation documents as per r the Fair Debt Collection Practices Act ( FDCPA ). I encourage the CFPB to conduct a full investigation on XXXX Credit Management and their deceptive and abusive debt collection practices. I can almost guarantee that Im not the only consumer they have done this to and unfortunately not everyone is aware of their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I've let them know that XXXX account was removed by XXXX and XXXX , who now owns XXXX because they have the phone they are trying to charge me for. Was removed last year and told I would no longer have this problem. I don't owe XXXX any money, they have there property. Instead they offered me to pay {$300.00} to remove it, I will not pay anything I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Professional Debt Mediation regarding their collection of a debt for the original creditor, XXXX XXXX, in the amount of {$4500.00}. I want to bring to your attention that I do not have any contractual agreement with Professional Debt Mediation or XXXX XXXX. 

On XXXX XXXX, 2024, I reviewed my credit report and discovered an account in collections under Professional Debt Mediation. Immediately, I contacted Professional Debt Mediation to inform them that I have no knowledge of this account and requested specific information. 

During my initial conversation, I requested that Professional Debt Mediation provide me with the following information : 1. Documentation identifying the original creditor. 
2. A copy of the original contract with my signature. 
3. The complete payment history for the account. 

Moreover, I emphasized the importance of receiving this information in a timely manner or requested the removal of the debt from my consumer report. However, to this day, I have not received any response from Professional Debt Mediation. 

In an attempt to resolve this matter, I reached out to Professional Debt Mediation again on XX/XX/ 2024, seeking an update on the requested information. Unfortunately, they still have not provided any response or acknowledged my request. 

I strongly believe that Professional Debt Mediation 's failure to respond and provide the requested information is a violation of my rights under 15 USC 1681c-2 and 15 USC 1681b . This situation has not only hindered my efforts towards employment and personal growth but has also caused significant distress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
Bank around XX/XX/year>2024 PayPal and Sychrony Bank both took monies from my chekcing account without permissinan d p [ aid what I owed them off. That caued my checking account to be suspeened by my financial institution ( XXXX XXXX to close my checking account and leve me with out any wayh to pay anything. I am XXXX years old ( XXXX ) and my usband is in very bad helalth at XXXX years old. Synchrony took XXXX to pay themselves off and my bank teh got it back but at same time PayPal took XXXX to pay off XXXX credit card again without my even knowing that it wa going on till a bit latter an d i tried totell both Synchjrony and Papal what theyn had done. They senmt messages and I had to go online at PayPal and readd them and theyh admitted mistkes. NOw they are charging me twice the XXXX and sow I owe them double plus a XXXX fee and I tried over an d over for tehm to correct but they send a notice it wa ot theoir falt and I owe that XXXX now my balance at time of the errors wass XXXX on teh Credit Card with Paypal but now they reimbursse twice the amoount plus feee to credit card inflating the balance? I hav erbverern very ill and on XXXX mesds due to XXXX and XXXX  an d am trhying very hard forthen to corredt tis but they refuse and this is over 11 days now and I lost my cecking account ver it an d m not bler to pay anyting since bank punished me and my spouse an dsaid we hve to wait a year or so to get bank account back all because of this happening without our permission.

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 monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year> I attempted to make a deposit at the ATM machine located at at the XXXX & XXXX at XXXX XXXX XXXX, XXXX, MA XXXX ( atn # XXXX ). The person in front of me had a problem with depositing a check but I thought ok I have cash so there shouldn't be a problem so I asked the representative to witness my deposit because the other ATM wasn't taking deposit either. I deposited {$500.00} and he saw me do so and the machine took a long time and then gave me a receipt stating " we encountered a problem returning your cash '' with no $ amount of the deposit slip. The representative proceeding to start a claim ( XXXX ) he also stated by the end of the night the machine will see that the it has an overage of {$500.00} and with the claim I should see the deposit the next day or so and that did not happen. On XX/XX/year> I called the claims department and they told me that he should not have said that because the claim may take up to XXXX. This is unacceptable on ALL level because it shouldn't take this long to see there was an overage on the machine. I then started to panic, if the machine had malfunction it could have also returned the money to the next person in line. In addition I had bills to pay, so the represented started a new claim ( XXXX ) in order to give me a credit for the amount of my deposit. It is now XX/XX/year> and there has been no resolution to this matter. I am really concerned about this matter, I should not had a temporary credit because they should have resolved this issue because by now. 

If in fact the machine took my money and there is proof of this, then I loose {$500.00}? If this is the case I will considering filing a complaint with a lawyer against the bank due to my my stress and anxiety. Even If I have to dish out more money for a lawyer, close my account and post this on social media so that everyone is aware that this bank robbed me my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on XXXX. But on TransUnion and XXXX credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With XXXX its listed account was closed XX/XX/XXXX. TransUnion date od closer is on XX/XX/XXXX. XXXX on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts. 

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : XXXX. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later. 

XXXX. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default.

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 2024-04-27 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: LA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the mental harm this has caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding their handling of account XXXX, which I believe to be fraudulent. Despite my efforts to rectify this matter, XXXX XXXX XXXX has continued to engage in unethical practices, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding their handling of account XXXX, which I believe to be fraudulent. Despite my efforts to rectify this matter, XXXX XXXX XXXX has continued to engage in unethical practices, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 2024-04-27 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:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the XXXX account XXXX i am asking you to verify as accurate

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
I did not authorized anyone to get accounts in my name. These are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a complaint against TransUnion and XXXX XXXX ( Account Number : XXXX ) and request IMMEDIATE ESCALATION of this investigation for violating the Fair Debt Collection Practices Act ( FDCPA ) and failing to provide necessary documentation to verify a debt. 

Despite my repeated disputes and requests for verification, TransUnion continues to respond that the debt is " verified as accurate '' without providing the required documentation. Under the FDCPA, debt collectors are required to provide : XXXX. Proof of the debt, including the original creditor 's information, the amount owed, and any interest or fees. 

XXXX. A copy of the chain of assignment, showing how the debt was transferred from the original creditor to XXXX XXXX 

XXXX. Proof of ownership, demonstrating your company 's legal right to collect this debt XXXX. A copy of the original contract or agreement between me and the original creditor. 

XXXX. A detailed account history, including payments, credits, and any adjustments. 

XXXX. An explanation of any interest and fees added to the debt, including calculations and applicable laws. 

XXXX. Verification that the debt is still within the statute of limitations for collection. 

XXXX. Any documentation from the original creditor, such as statements or invoices. 

XXXX. Proof of XXXX XXXX company 's license to collect debts in my state. 

I dispute the validity of the debt reported by XXXX XXXX on my TransUnion credit report. Not only has TransUnion failed to provide verification documents and payment history, but the lack of payment history also raises significant questions about the debt 's validity. Without payment history, it is unclear how XXXX XXXX can verify the debt or demonstrate that it is a legitimate and enforceable obligation. 

I have requested these documents multiple times, but TransUnion has failed to provide them. This lack of transparency and refusal to verify the debt has caused me significant stress and financial hardship. I request that the CFPB investigate this matter and take appropriate action against TransUnion and XXXX XXXX for their violations of the FDCPA. I also request that they be required to provide the necessary documentation to verify the debt or remove the account from my credit report. 

Attached to this complaint is verification of identification, Proof of TransUnion verifying XXXX XXXX debt without sending documented proof as demanded and obligated before verifying this debt as accurate, Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scratch Services, Inc.
State: ME

Complaint narrative:
This matter pertains to my company XXXX XXXX XXXX of which I am XXXX XXXX and XXXX. Our bank statement shows that on XX/XX/XXXX we executed a Wire Transfer payment to " Scratch Services LLC XXXX XXXX XXXX XXXX '' in the amount of {$290000.00} to pay off in full our XXXX Business Loan # XXXX. The payment included {$290000.00} principal and of {$240.00} accrued interest. We don't understand why the payment was never credited to our loan account and why Scratch continued to charge us interest payments on this loan until XXXX refinanced it as part of a consolidation of all our outstanding loans on XXXX XX/XX/XXXX, As the result, we have ended up having to repay this loan twice. We are trying to understand what happened to our XX/XX/XXXX payment and why Scratch didn't credit it to our account. We wrote to Scratch and asked them to look into their internal records and give us more information, as it is difficult now to obtain any information out of XXXX which went bankrupt following our payment to Scratch. Scratch sent the following, unsatisfactory reply to our query : XXXX ( Scratch Borrower Operations ) XXXX XXXX, XXXX, XXXX XXXX Hello XXXX XXXX We understand that this may be an inconvenience, but effective XX/XX/XXXX, XXXX  is your loan servicer. XXXX is also the current owner of your loan. XXXX XXXX is unable to assist at this time. 

How can I contact XXXX? 

You may contact XXXX claims agent XXXX at ( XXXX ) XXXX ( XXXX ) or ( XXXX ) XXXX ( XXXX ), email XXXX, or visit their website at XXXX XXXX XXXX 

Best, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
update my current address my current address is XXXX XXXX XXXX XXXX, Mississippi zip code XXXX .want all other addresses and address identification numbers removed from my credit profile and report because the information is reporting inaccurate information. Also should be one name reported on credit profile XXXX XXXX XXXX as it appears on my drivers license and social security number. remove and delete all other various of my name

Company response to consumer: Closed with non-monetary relief