vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Checking my credit report, I noticed a series of accounts under the name LVNV FUNDING ( XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collectors themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing to uphold and violating my rights as a consumer, even entering into a potential identity theft situation. Therefore, I am submitting this complaint to request validation and verification of the accounts, from which they can provide me with certified evidence of where I gave consent to report these accounts on my credit history, as well as the prior notifications regarding the transfer of the accounts from the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Checking my credit report, I noticed a series of accounts under the name PORTFOLIO RC ( XXXX, XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collectors themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing to uphold and violating my rights as a consumer, even entering into a potential identity theft situation. Therefore, I am submitting this complaint to request validation and verification of the accounts, from which they can provide me with certified evidence of where I gave consent to report these accounts on my credit history, as well as the prior notifications regarding the transfer of the accounts from the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Submitted a complaint for a duplicate account that is reporting on my credit report. In addition to the account being a duplicate and a result of the Covid 19 disaster, company was unable to provide proof that they complied with 15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the notice. 

This late payment should be removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got the above message from an unknown number : JP-Morgan Chase : Did you attempt a payment of {$540.00} at XXXX XXXX XXXX To decline this payment visit : XXXX XXXX XXXX? XXXX Upon clicking that link it took me to the chase website where I was asked to login. The login had to be validated by using an otp which I got from chase .. but unfortunately this otp was used to authorize a money transfer. 

Once the money transfer was authorized, I immediately called chase to report what had happened. Since this is not something I voluntarily provided. Since it happened surreptitiously using the chase website and authorization system, I feel the problem is with chase to not provide any protection for such sophisticated online scams. 

Also, international money transfers can be cancelled within 30 mins but chase failed to do that. I called them within 15 mins of the transfer getting authorized. Infact the first agent I spoke to couldn't even see it in his system since it was that early and yet chase couldn't help me with either the cancellation or the recall. 

I have lost trust in chase since a lot of people can fall prey to such sophisticated tech scams and their inability to protect customers or up their tech is disheartening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I FILED A POLICE REPORT MIDLAND CREDIT MANAGEMENT XXXX XXXX FILED A POLICE REPORT XXXX  XXXX XXXX FILED A POLICE REPORT XXXXXXXX XXXX XXXX XXXX I FILED A REPORT XXXX XXXXXXXX XXXX FILED A POLICE REPORT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE CREDITORS VIOLATED MY RIGHTS UNDER 15 USC1681 SECTION 602 I HAVE THE RIGHTS TO PRIVACY 15 USC1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NC

Complaint narrative:
XXXX AND TRANSUNION REFUSE TO SEND ME THE INFORMATION THE COMPANY USE TO INVESTIGATE MY DISPUTE. THE XXXX XXXX XXXXXXXX SENT A COPY OF THE THE DEIT COMPANY 'S INFORMATION. I CONTACTED THE COMPANY WHICH IS XXXX XXXX COMPANY THEY SEND ME COPY OF THE INFORMATION. THAT SHOWS I WAS CORRECT ALL ALONG. XXXX AND TRANSUNION WAS WRONG.

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 2024-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the required notices or the required information. When I submitted complains about the duplicate accounts as well as the notices, they were unable to furnish proof that they sent the notices, however, the reporting agency did not remove the late payments from the account despite the fact that the payments are duplicates due to Covid and the creditor did not furnish the requested information.

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 2024-08-01 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: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my written instructions. 
Account : 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 Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-01 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: NJ

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-08-01 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: NJ

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Subject : Complaint Against TD Bank for Unauthorized Transaction Dispute To : Consumer Financial Protection Bureau Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account Number with TD Bank : XXXX MERCHANT NAME : JUSTFLY TRANSACTION AMOUNT : {$4000.00} I am writing to file a complaint against TD Bank regarding an unauthorized transaction on my account. On XX/XX/XXXX, a charge of {$4000.00} was made to the merchant XXXX, which I did not authorize. 

Upon discovering this unauthorized transaction, I immediately contacted TD Bank to dispute it. Despite my prompt action, TD Bank denied my dispute, asserting that I had authorized the transaction and traveled. I want to clarify that I am undocumented and therefore unable to travel, making it impossible for me to have made this transaction or traveled as claimed by the bank. 

Since then, I have repeatedly contacted TD Bank, including in XXXX, XXXX, and XX/XX/XXXX, seeking a resolution. I have visited the branch where I opened my account numerous times and called TD Bank numerous times as well, but I have not received any assistance or satisfactory explanation. 

I have been a loyal customer of TD Bank for years, consistently maintaining a balance of at least {$20000.00} in my account. It is deeply distressing that my longstanding relationship with the bank and my trust in them have been undermined in this manner. Additionally, I am the sole caregiver for my paralyzed parents, and the loss of these funds has significantly impacted my ability to provide for their health and well-being. 


I respectfully request the CFPB 's assistance in resolving this matter. Specifically, I am seeking the recovery of the disputed amount of {$4000.00} and a thorough review of TD Bank 's handling of my dispute to ensure compliance with federal regulations and fair treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: MO

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Somebody made unauthorized 2 bill pays from my XXXX XXXX checking account to Capital One credit card XXXX. Account name is XXXX XXXX. Total amount of 2 billpays is $ XXXX Please reverse this amount to me. It is for XXXX XXXX XXXX and I am XXXX XXXX XXXX. Please help me so I can no longer suffer. 


XXXX : unauthorized bill pay $ XXXX unknown person used my checking account to make a credit card payment to Capital One for {$3100.00}. 
The capital One credit card number ends with XXXX and the name of account is XXXX XXXX. I do not know her or him. Reported XXXX XXXX on XXXX XXXX. XXXX case no. is XXXX. 

XXXX : unauthorized bill pay $ XXXX unknown person used my checking account to make a credit card payment to Capital One for $ XXXX The capital One credit card number ends with XXXX and the name of account is XXXX XXXX. I do not know her or him. Reported XXXX XXXX on XXXX XXXX. XXXX case no. is XXXX. 

I enclose all the proof. 
-Police report -unauthorized payment proof for $ XXXX -unauthorized payment proof for $ XXXX XXXX XXXX statement XXXX XXXX letter XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: VA

Complaint narrative:
Equifax was called and I went thru all addresses, asked them to delete all except my current and only address, they also have a name on my credit report that doesnt belong to me ( XXXX XXXX XXXX my name is XXXX XXXX and has never been any other name. I asked to rectify and correct these things and have done so TWICE. I have received a letter from Equifax claiming I have NOT applied for credit recently, which is a lie I have applied for numerous of credit lines and have been denied because of misinformation. They say I have not lived in the US or have a social security number, also a LIE. And I havent used any credit in over 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: IL

Complaint narrative:
I was contacted by ARstrat, XXXX XXXX TX regarding a medical bill from XXXX XXXX XXXX XXXX. 

I received care in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, MO. My insurance provided an EOB and issued payment. Upon receipt of the medical bill in XX/XX/XXXX, I began making payments and established a payment plan for what I owed. Unfortunately, in XX/XX/XXXX, someone at XXXX XXXX adjusted the insurance payment and instead of applying the insurance payment as a credit, they applied it as a debit, thereby DOUBLING the invoicing amount rather than reducing it. They also cancelled my auto debit/payment plan at that time. 

Upon receiving my XXXX statement, I contacted XXXX XXXX via XXXX and phone asking for them to look into the matter. I received no response. Every month that followed, I did the same. Each time, no one would be able to assist me. In XXXX, I contacted my insurance to see if they could help. They were unable to get anyone to assist. In XXXX, I was sent to collections for this obvious billing error. 

A quick look at the XXXX portal can see that the insurance payment was misapplied. I am asking for the joint commission to please get involved and simply ask someone at XXXX to rescind the account from collections and make the correction. I will gladly pay any residual amount owed. 

I made the following calls to the SSM Billing line : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent all of the above correspondence to ARstrat on XX/XX/XXXX ; however, they will not adjust the bill because the billing issue is within XXXX 's system. They simply provided me with a copy of the latest bill from XXXX which is incorrect. 

XXXX XXXX will not correct the account because they've sent it to collections. ARStrat will not look into the account because they don't have access to the billing system that incorrectly applied the payment. I am caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-08-01 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: GA

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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