vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Dispute of Debt Collection Violations and Request for Validation Dear Sir/Madam, I am writing to formally dispute the actions of JJ Marshall & Associates , Inc. regarding an alleged debt they claim I owe. It has come to my attention that JJ Marshall & Associates , Inc. has violated several of my rights as a consumer, as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Firstly, I want to emphasize that I have not received any written notice from JJ Marshall & Associates , Inc. regarding the alleged debt, which is a clear violation of my rights under the FDCPA. Additionally, upon further investigation, it has been brought to my attention that JJ Marshall & Associates , Inc is not licensed or bonded to collect debts in my state. This raises serious concerns about the validity and legality of their collection efforts. 

Furthermore, it has come to my attention that JJ Marshall & Associates , Inc. has accessed my credit report without permissible purpose. This unauthorized pull of my credit report constitutes a violation of my rights under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 34 ( c ) and ( 4 ) ( l ). Such actions are unacceptable and must be addressed immediately. 

In light of these violations and discrepancies, I am hereby revoking any acknowledgment of owing any debt to JJ Marshall & Associates , Inc. Additionally, I revoke all rights of JJ Marshall & Associates , Inc. to communicate with me through emails, texts, or calls. Any further communication attempts will be considered harassment and dealt with accordingly. 

Furthermore, I am requesting validation of the alleged debt as required by law. Please furnish me with any documentation, including the contract, that establishes the validity of the debt claimed by JJ Marshall & Associates , Inc. 

I expect prompt action and resolution regarding this matter. Please investigate these violations thoroughly and take appropriate action against JJ Marshall & Associates , Inc. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-02-14 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-02-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX -associated with XXXX XXXX XXXX for an amount of {$300.00}. This account was once under another creditor and due to lack of information of said account not being mine it was then removed off my credit reports. Now it has re appeared under a new credit agency from the same company XXXX XXXX XXXX and is only showing on XXXX of my reports. At this time this is XXXX  and my credit is being slandered due to this company and information on my credit report. This company was not able to provide any validation so I would like this removed off my credit reports immediately.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2023 I attempted to send money to my Capital 1 account from my XXXX XXXX account. I also had my husband attempt to XXXX XXXX and even my daughter and it led to my checking account being flagged. I then called and verified all transactions in and out of the account in the last few days. My account was never unblocked they instantly closed my account and after numerous calls from the time my account was flagged they refused to give me a reason and also said they wanted to end the relationship with me but the had to hold my funds for 90 days. This is theft. They are holding my money for their benefit and i need to be compensated for this reason alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kornerstone Credit,  LLC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against First Capital Group also known as XXXX XXXX XXXX XXXX XXXX, hereafter referred to as " Collector '' a alleged debt collection agency that has been engaging in unauthorized debt collection activities and furnishing data to credit reporting agencies without proper authorization. This agency is not registered with the Illinois Department of Financial and Professional Regulation ( IDFPR ) to collect debts within the state of Illinois. 

As the Consumer, I have been adversely affected by the actions of the Collector. Despite their lack of registration with the IDFPR, they have persisted in their attempts to collect debts from me, including the unauthorized furnishing of data to credit reporting agencies, which has had a detrimental impact on my consumer credit file. 

I demand immediate cessation of all debt collection attempts by the Collector, including but not limited to furnishing data to credit reporting agencies regarding my consumer credit file. Failure to comply with this demand will result in legal action being pursued to the full extent of the law. 

This complaint should be considered a formal notice of my intent to sue the Collector and the credit reporting agencies who continue to furnish inaccurate data for violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I urge your office to investigate this matter promptly and take appropriate enforcement actions against all parties involved. 

Please feel free to contact me if any further information is required regarding this complaint. I appreciate your attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eastpoint Recovery Group, Inc
State: CA

Complaint narrative:
In XXXX of XXXX, I got approved for a line of credit, ( {$5300.00} ) through XXXX, ( XXXX XXXX  ) XXXX for XXXX. I was given a treatment plan for XXXX  cost & was approved for the line of credit on the same day. Everything happened very fast & initially thought that I could handle the payments. Later on when I realized I wasn't able to handle the monthly payments, I contacted XXXX and asked them if they could lower the monthly payments to an amount that was more manageable, they refused. 
On XX/XX/XXXX I received a phone call from a guy named XXXX who asked me to confirm my name & confirm that I lived in XXXX XXXX XXXX, After I confirmed this information, XXXX claimed he was getting ready to file wage garnishments against me for the debt that I owed XXXX. He also claimed that if I paid him at least {$200.00} by the end of the month that he would not file for wage garnishment. He also claimed to have done a credit check on me & said I had decent credit. I explained to him that the soonest I could make a payment would be XXXX. He said he would try to hold off on filing a judgment against me, if I was able to call him the following week to make a payment. After this phone call I realized that XXXX had failed to identify himself as a debt collector & failed to identify which company he was working for. I had to call the company back at the number that XXXX initially called me from XXXX. A man named XXXX answered & he informed me that their company was called Eastpoint Recovery Group. XXXX also put pressure on me to make a payment by the end of XXXX because they'd lose the account if I didn't. 

The address for XXXX, ( XXXX XXXX  ) is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The address for Eastpoint Recovery Group is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I went to Lowes Home Improvement to return an item that I purchased on my LAR account. I had paid off the account weeks prior to the return. The customer service person would not refund the item, but told me Synchrony bank would have to send me a check for the refund. On XX/XX/XXXX I was told by the store manager and the credit manager at the bank the store should have refunded me. While talking to the LAR team manager he assured me they had the credit from the store and a check was already in the mail that same day and it would arrive to me in 7-10 days. I called Synchrony bank back XX/XX/XXXX, XXXX, XXXX, XXXX inquiring about my money that I had not received. I called Synchrony bank agin on XX/XX/XXXX and talked to a LAR team member that told me a check had not been processed. I asked to speak to her manager that told me the exact same thing, but said she could process the check then and would expedite it. She said she would file a complaint. I called again on XX/XX/XXXX and was told the check was supposed to be mailed out today! I have been lied to several times and feel I have been wronged and the bank needs to make their wrong right, by getting me my money and giving me compensation for the stress Ive experienced! Im sure others are experiencing the same thing, which is very unprofessional and unreliable! If I had not continued to call, this refund looks like it would have never been processed! Synchrony bank you need to check behind your trusted workers as this makes you look slack on handling volume!

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX a consumer is having problem with the major credit bureaus deleted inaccurate and incorrect information on my credit report ( XXXX credit cards that don't belong to me due to identity theft. So, I'm requesting that account number XXXX XXXX be deleted from my credit report. 
Additionally, under FCRA rights as a consumer and due to having this requested this be done on more than XXXX occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: WELLS FARGO & COMPANY
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name ' WELLS FARGO However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...

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 2024-02-14 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: AL

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 inructions 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 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Received a letter on XX/XX/XXXX. From MRS attempting to collect an alleged debt from a company I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-14 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: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For many months now I have been working to correct these fraudulent items with the bureau, corporations and whomever else is involved. The information that is being reported was not authorized by me and the information is not correct, yet the agencies continue to report it and am now having to seek legal action to take care of it

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For many months now I have been working to correct these fraudulent items with the bureau, corporations and whomever else is involved. The information that is being reported was not authorized by me and the information is not correct, yet the agencies continue to report it and am now having to seek legal action to take care of it

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: MN

Complaint narrative:
This expungement was already granted, there should be no reason why this is still on my public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I have been a victim of identity theft my passport was stolen etc my wallets has been stolen before I have several accounts that are charged off in Chex system which is affecting me from opening any bank account I have requested my report and have informed Chex system that it was fraud however they told me after the investigation that it was an account I opened etc

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