vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX XXXX  for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, MIDLAND CREDIT MANAGEMEN , in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy.

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX XXXX  disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, XXXX XXXX  misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX XXXX failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold XXXX XXXX and MIDLAND CREDIT MANAGEMEN accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I realize this is falling on deaf ears banks have Congress in their back pockets but I feel that it is my duty as success

ful American to voice my complaint. How can Banks charge 30 % interest on consumers with
excellent credit and payment history? Each and every member of Congress and the Presidency should be ashamed of their inactivity on this matter. While I am not currently carrying balances on my cards, many hard-working Americans do out of necessity due to rampant inflation due to corporate greed and poor decisions by governing branches. SHAME ON EACH OF YOU!! 
In closing, Im going to pick on Bank of America one of Americas most complaint laden companies. I have several cards from different banks ; how is that that XXXX continues to withdraw payments when balance is XXXX, and then takes months to reimburse? Other banks do not have problem figuring this out, why XXXX continue to pocket money not belonging to them?? And is ANYONE on our side? 
WE THE PEOPLE need someones help!? 

Thanks, 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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN I received a letter dated : XX/XX/year> from NATIONAL ENTERPRISE SYSTEMS with the verbiage : " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I refuse to pay this alleged debt. I do not now, nor have I ever entered into a contract with NATIONAL ENTERPRISE SYSTEMS. This is an extortion attempt, fraud and material misrepresentation. At no time will I ever assent to the terms contained within their communication. NATIONAL ENTERPRISE SYSTEMS is also attempting to deceive me as a consumer by sending this communication to me in the first place knowing THEIR actions are fraudulent. NATIONAL ENTERPRISE SYSTEMS has compiled a misleading communication knowingly and has taken specific action to conceal the material fact that we are not in contract and that no such item exists. NATIONAL ENTERPRISE SYSTEMS also included copies of fraudulent documents with their communication. As a debt collector/buyer, NATIONAL ENTERPRISE SYSTEMS is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. NATIONAL ENTERPRISE SYSTEMS does not nor have they ever received a judgement nor can they provide verification or validation that such a judgement exists. DO NOT CONTACT ME any further ; cease and desist from any/all collection attempts and attempts at placing any statements or items or any of my consumer reports or you will be in violation of the FAIR DEBT COLLECTION PRACTICES ACT, The Fair Credit Reporting Act and all federal laws governing consumer credit transactions. I also demand NATIONAL ENTERPRISE SYSTEMS to provide a copy of their license to even attempt to collect anything in the state of PENNSYLVANIA as well as provide their certificate issued from the Pennsylvania Commissioner of Insurance. Please see complaint # XXXX ; addressing NATIONAL ENTERPRISE SYSTEMS XXXX previous attempt at collection. This matter should have concluded on XX/XX/year>. Clearly, NATIONAL ENTERPRISE SYSTEMS is in violation and I am again bringing this matter to the attention of the CFPB, demanding penalties be brought against this company for their fraudulent business practices. 
RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN

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 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is either an operational error or an internal fraud. I have contacted Citi on XX/XX/year> with regard to fraudulent transactions/withdrawals in my account, totaling {$2200.00}. The processing of my request was extremely confusing, with Citi initially provisionally crediting my account " in double '' ( every single transaction was duplicated ), then withdrawing the dupes a few days later, and then rejecting my request, and withdrawing the full amount. I contacted Citi a second time to re-open the investigation, and I received a new provisional credit, but when I reconciled the transactions one by one, I identified that XXXX transactions were missing in the provisional credit ( there were XXXX transactions when it should have been XXXX ). Every time I contact Citi to have this clarified and fixed, I am transferred to the dispute department after a long wait, and my call always gets disconnected before the issue is resolved.

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 2024-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
This debt does not belong to me but to a family member with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: CA

Complaint narrative:
This doesnt belong to me! I have no idea what this company is!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
This debt does not belong to me but to a family member with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
On XX/XX/year>, a fraudulent scam occurred via XXXX. Funds of {$1000.00} was sent via Zelle. The banking institution was informed immediately of the scam. Zelle scam report was made. A report sent to Zelle requesting the fraudulent scam funds be immediately returned. Zelle has access and abilities to revoke and return all funds sent through Zelle via a Banking Institution by reporting to the bank, request a stop of payment, requesting a hold on funds, and returning funds to its rightful owner. However, Zelle refuses to implement the basic expectations of a trustworthy financial product. They lack all efforts to ensure consumers are protected and continue to be allowed to invade FDIC insured banking institutions without expectations or law. 
It is disputed and I expect full restitution of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the Equifax data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite Equifax 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. XXXX XXXX caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the Equifax data breach and the consequent inaccuracies on my credit report. 

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

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Consumer Portfolio Services ( CPS ) regarding their ongoing harassment and failure to acknowledge my XXXX XXXX bankruptcy filing concerning my XXXX XXXX XXXX. 

In XX/XX/XXXX, I filed for XXXX XXXX  bankruptcy, which was subsequently approved as of XX/XX/XXXX. As part of the bankruptcy proceedings, my XXXX XXXX XXXX was included in the filing. Despite this, Consumer Portfolio Services has persistently contacted me about late payments. Moreover, they have been harassing my family members, who are not aware of my financial situation, in an attempt to locate me. This conduct is not only distressing but also illegal under consumer protection laws. 

I request that the Consumer Financial Protection Bureau take the following actions : Cease and Desist Telephone Communications : According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, a consumer has the right to request that a debt collector cease communication. Therefore, I demand that Consumer Portfolio Services cease all telephone communications immediately. All future communications should be conducted in writing. 

Acknowledge Bankruptcy Filing : Consumer Portfolio Services must acknowledge the inclusion of my XXXX XXXX XXXX in my XXXX XXXX bankruptcy filing. The continuous attempts to collect a debt discharged in bankruptcy are in violation of the Bankruptcy Code, specifically 11 U.S. Code 524, which enjoins creditors from attempting to collect discharged debts. 

Prohibit Third-Party Contact : It is also a violation of the FDCPA, 15 U.S. Code 1692c ( b ), to contact third parties ( such as family members ) regarding my debt without my explicit consent. I demand that Consumer Portfolio Services immediately cease any form of communication with my family members or any third parties regarding my debt. 

Request for Financial Reparations : Due to the distress and anguish caused by Consumer Portfolio Services ' actions, I am requesting financial reparations in the amount of {$1000.00}. If this matter is not resolved satisfactorily, I may be compelled to file an official judicial request against the company. 

I have attached copies of my bankruptcy filing and the relevant court documents for your reference. I request that the CFPB investigate this matter and ensure that Consumer Portfolio Services complies with federal laws designed to protect consumers from such harassment and unlawful debt collection practices. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and keep me informed of any progress regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had endorsed a check and it was cashed through chase, I was told ro provide ID and another form of ID and they still would not give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
all inaccurate names and address and phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-05-25 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: NJ

Complaint narrative:
all inaccurate names and address and phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ok I had filed a complaint on my credit report due to icirrect information from the credit agency .I filed it based on XXXX however I was mistaken it is actually equifax who is mishandling my information. I will not send them my birth certificate or ssc die to they have been breached in the past and I feel my information is not safe with them. I need this issue resolved. My name is XXXX XXXX anything of than that is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168. 

XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX. Have violated my rights. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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 explanation
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168. 

XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX. Have violated my rights. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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 explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Back on XX/XX/XXXX, we received notification that we could refinance with our mortgage company Freedom Mortgage. I started the application process and the agent XXXX XXXX XXXX # XXXX said it looked good. We preceeded with the proper documentation they were requesting and it was done. A month in a half goes by and no communication. So my husband decides to call her and every time she's out of the office. So I email her and she proceeds to tell me that we are denied because we have a LIEN against our home. This is all via email, no curtesy in a phone call. So I investigate and reach out to our county records to get my deed and title. I ask XXXX of there property records expert. Do we in fact have a LIEN against our home. He proceeds to tell me I do not see anything on the property. Reached out to her that she lied and that she is very unprofessional and would like her boss to either contact me or give me that information so I can talk to her boss. Yet again to no avail and no communication ever since.

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