vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: FL

Complaint narrative:
I did not request anything from this company Ive been a victim of a several data breaches it was not I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
THIS IS NOT A REINVESTIGATION REQUEST. I am writing to request a method of verification for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please provide me with the following information : XXXX. The name, address, and telephone number of the person or organization that provided the information. 
XXXX. The specific documents used to verify the account information. 
XXXX. Details about how the investigation was conducted, including the date and method of verification. 

As a consumer, I am entitled to a fair and thorough investigation of any disputed information. My previous method of verification request on XX/XX/year> and XX/XX/year> and was ignored and I was sent dispute results ( letter attached for reference ) dated XX/XX/XXXX that state VERIFIED AND UPDATED. However, the method of verification information was not given upon request.Which is a violation of my rights.

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an offer from Chase Sapphire Reserve for 0 % interest balance transfer through XX/XX/XXXX. I took advantage of this offer and paid about {$800.00} one time fee to take out the loan. 

The following month ( XX/XX/XXXX ) I called Chase to confirm how much money I needed to pay to cover my monthly purchases in order to avoid interest there, while also not affect my 0 % balance transfer total ( this information was not available on the platform ). Despite being told a $ number and making that payment, I still received charges for interest despite paying off the purchases total on time. When I called Chase they told me that my account had been changed to a revolving account, which meant that due to the balance transfer, all of my purchases ( even if they were paid off in full every month before the due date ) would begin to accumulate interest daily. 

As such, I paid {$800.00} to take out a 0 % interest balance, only to then find out that this product changes my account status to charge an unavoidable daily interest rate for any and all other purchases on the same card. They also confirmed that they would not reverse the balance transfer fee even if I paid it back. 

Since the card charges XXXX XXXX  year, I am faced with paying this while also avoiding card usage to prevent any additional interest. Or, I pay off the 'interest saving balance ' this month which includes the original 0 % balance that was meant to be free of interest through XX/XX/XXXX- and lose the {$800.00} fee I paid to take it out in the first place. 

I have been a Chase customer for XXXX  years - I have never experienced such blatant abuse of customer marketing. Please hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX sold my account for non-payment to XXXX different XXXX XXXX companies for XXXX different amounts when I only had XXXX account and owed less than ( {$2900.00} ) which was the original in-store credit limit. But they sold to XXXX XXXX for ( {$4300.00} ) and XXXX XXXX XXXX for $ ( XXXX ). Both Credit companies has reported they are the original creditors and they are not and I only had ( XXXX ) account with XXXX XXXX. Helzberg Diamond closed this account on XX/XX/year>. And now XXXX XXXX is suing me for ( {$4300.00} ). How is this even legal to sell my debt at XXXX different prices and to XXXX different companies, and not to mention lie on my credit report along with the credit collection companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I am contacting you regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern as I received no prior notification about this collection. Moreover, I have substantial doubts about the validity of the claimed debt. 

Invoking my rights under the Fair Debt Collection Practices Act, I formally request validation of this debt. I expect you to furnish this validation and take appropriate measures to address this issue promptly. 

Please note that a comprehensive response, including all requested documentation, must be provided within 15 days of this communication 's date. Be advised that an unsatisfactory or incomplete validation response within this timeframe will be deemed insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: FL

Complaint narrative:
This is in regards to CFPB Case number XXXX. 

The collector stated that the items were removed from my credit report. But they are still showing.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Hard Inquiries Dear TransUnion, I am writing to formally dispute several hard inquiries on my credit report that I believe are inaccurate and unauthorized. My name is XXXX XXXX XXXX, and my Social Security Number is XXXX I have reviewed my credit report recently and found inquiries that do not belong to me. 

The inquiries in question are as follows : 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 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 According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate. I have not authorized any of these inquiries, and they should not be present on my credit report. 

I kindly request that you investigate these inquiries and remove them from my report. Please send me written confirmation of your findings and the actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions is attempting to collect on a debt that they purchased from XXXX  XXXX. My RIGHT to privacy has been violated. I am requesting deletion of this account and to cease collecting on this alleged debt. I am requesting that this company cease and desist contact with me. see attached letter to this 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 2024-08-12 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-12 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: T.S. Holdings
State: FL

Complaint narrative:
I am writing to formally complaint about IQ DATA INTERNATIONAL 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my IQ DATA INTERNATIONAL credit report that I did not open or authorize. The details of the fraudulent account are as follows : IQ DATA INTERNATIONAL ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with IQ DATA INTERNATIONAXXXX, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, IQ DATA INTERNATIONAL is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. 
Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to IQ DATA INTERNATIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal has limited my account to no money being sent and received but I can transfer the remaining balance out of my account and there is a balance in my account that I want to transfer asap you guys did not restrict my account for no money transfer but I'm not able to add my card or bank account so I would like for someone to fix that for me so I can add my bank card or bank account so I can transfer the money out of my out asap ..I also will provide the email I received from paypal account review team stating that my funds are available for transfer immediately and I don't have to wait 120 days down below and also I'm going to provide the bank account and debit card that I would like to link to transfer my remaining balance .... The current balance in your PayPal Balance account is available for immediate withdrawal. You can either withdraw your money to your bank account or request a check. Should you request a check, there is a {$1.00} fee. You won't be able to use your PayPal account to send or receive money. You also won't be able to use your PayPal Debit MasterCard for future purchases or transfers. You can still log in to check your transaction history and withdraw any money you might have in your PayPal Balance account. Sincerely, PayPal Account Review These are the bank card and account I would like to connect to be able to transfer my remaining balance.. 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 explanation
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i have to late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) and ( XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: MA

Complaint narrative:
They are the cause of my data breach alone with XXXX and there are accounts with the collection and late payments, addresses that do not belong to me and all of this stuff is preventing me from getting an apartment for my and my children 's credit e.c.t. We are homeless right now because I've been fighting with XXXX and Experian credit report for months. I did not realize that my credit report had been tampered with since XXXX I didn't realize it until I noticed that my XXXX XXXX and a lot more of my accounts were changed into a different name and every time my bank cards were used. and this was back at the end of 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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am contacting you regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern as I received no prior notification about this collection. Moreover, I have substantial doubts about the validity of the claimed debt. 

Invoking my rights under the Fair Debt Collection Practices Act, I formally request validation of this debt. I expect you to furnish this validation and take appropriate measures to address this issue promptly. 

Please note that a comprehensive response, including all requested documentation, must be provided within 15 days of this communication 's date. Be advised that an unsatisfactory or incomplete validation response within this timeframe will be deemed insufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: WI

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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks

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 2024-08-12 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: WI

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 Convergent 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. 
We 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 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 XXXX things please delete these accounts from my credit report Thanks

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 2024-08-12 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: MO

Complaint narrative:
I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.

Company response to consumer: Closed with explanation