vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am writing in response to your recent communication regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you validate the debt. Please provide the following information : 1. The amount of the debt : A detailed explanation of the total amount owed, including interest, fees, and other charges.

2. The name of the creditor : The original creditors name and any account numbers associated with the debt. 
3. Proof of ownership : Evidence that you are authorized to collect this debt, including a copy of the assignment or other verification documents. 
4. Verification of the debt : Copies of any documentation showing that I agreed to the debt, such as a signed contract or agreement. 
5. Account history : A complete history of the account, including all charges, payments, and fees that led to the current amount claimed.

Pursuant to the FDCPA, I request that you cease all collection activities until this debt is properly validated. Please be advised that I am not acknowledging or accepting responsibility for this debt until proper verification has been provided. 

If you are unable to validate this debt, I request that you remove it from your records and cease all further communication regarding this matter. Additionally, please notify any credit reporting agencies to whom you may have reported this debt that it is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2024 I emailed the company XXXX XXXX XXXX for their failure to report my auto loan to the credit bureaus. On XX/XX/2024 they replied Good afternoon I forwarded your email to our credit department.

Despite consistent on-time payments, my credit report does not show any activity related to this auto loan. This loan is completely absence from my credit report. I have previously filed two complaints with the XXXX XXXX XXXX regarding these issues. In the first complaint Initially, XXXX XXXX XXXX experienced a system error that incorrectly reported my payments as well as other customers payments as late. This issue was eventually resolved, the fundamental problem of the loan 's absence from my credit report persists. I have been more than patient this is a XXXX loan and I'm in it more than 3 years. Also I'm worried when I finish paying this off that they won't give me my title.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report contains accounts added without my consentplease remove and block them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On these two accounts, XXXX reversed the late payments on both of these accounts which is an accurate action on their part. If your agency does not take action and reverse the late payments as XXXX accurately did, I will have no choice but to seek legal action against your agency and exercise my rights outlined within the FCRA, pursuant to 15 USC 1681n and 15 USC 1681o, seeking full damages. 

Check the screenshots of the inaccurate erroneous accounts which where reversed by XXXX. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
What happened ( statement of pertinent facts ) Consumer name : XXXX XXXX, XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a federal student loan account at XXXX on XX/XX/XXXX account number XXXX, a credit card load account from XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a auto loan account at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a rent account at XXXX XXXX XXXX on XX/XX/XXXX with no account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have issued a complaint with the FTC Identify Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identify theft and fraud. I could not attach copies of any of my reports due to your site refusing to allow any form of download pdf files for this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, 2024. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect, date of last payment incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information. 

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Accuracy Obligation Credit reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days. 
15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher. 
I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately. 

I expect your written response within the 30-day period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

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

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a text message on Sunday from collection company XXXX XXXX that I had a collection in the amount of {$37.00} owed. I don't have any collection account. I ordered my 3 annual credit reports. It showed that a company called resurgent/LVNV Funding was the debt collector for a " XXXX XXXX '' utility account. I have had XXXX as my provider for 30 years and never signed up for any other service. My credit report also showed a XXXX address and the name of XXXX XXXX whom is not known to me all associated with this debt. I contacted XXXX, the debt collection company and XXXX XXXX to have this erroneous information removed from my credit report. The collection account and the XXXX address are removed from my credit report but the address is still showing connected to me on online searches. I do not live in XXXX. XXXX XXXX is showing as a " family member ''. This person is not known to me and I want her association to me removed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
Unauthorized hard inquiries appear on my credit report, violating 15 USC 16c-2. Please remove them 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 2024-11-27 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: PA

Complaint narrative:
i noticed on Myfico report inquires that i dont reconize nor authorize on transuion from the below companies, and only from transuion XXXX XXXX on XXXXXXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXXl on XXXX XXXX XXXX on XXXX and XXXX on 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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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 instructions 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. Please look into this I have no other items but this on my credit and its stoping me from starting a business.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/year> Re : XXXX To : Credit collection services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX. 
I am responding to your communication about a debt youre trying to collect. You contacted me by Mail and identified the debt of {$440.00}. 

Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was scammed by someone that got my number somehow. I keep track of all my numbers but this person contacted me claiming to be my friend that contacted me by accident. First the person was nice to me texting then they wanted to contact me on XXXX claiming that the other number was there work phone. I then talked to them in XXXX and they showed me how to invest in crypto by using cash app and crypto.com platform. The person would show me there gains and funds as well as pictures sent me a QR code for the app to download that was actually a real app at the time that I was able to download on the XXXX XXXX. The app was called XXXX. My bank chase was linked to my cash app at the time so all my funds went from that account. Most of my funds were in a XXXX XXXX XXXXXXXX account at the time so i added more of my funds to the chase account being pushed by the person to provide more funds into this crypto plantform coin gold. I add pushed to buy bitcoin then to transfer the funds into XXXX. XXXX operated like the other platforms and was international as well. I was also provided with accounts numbers from customer service of the coingold platform to wire money. When I tried to take the money out of XXXX I was instructed to pay taxes in order to take the money out. Then I was asked for more money. I later did some investigating and realized that something wasnt right. The person that was being my friend lied to me into investing in a crypto platform that didnt exist. I realized it was a scam. I made a police report and talked to a treasury agent that worked for the government about the matter as well. I also contacted the fbi, ftc, and ic3.gov. I also contacted my chase and XXXX XXXX XXXX about the matter with them claiming Im liable. The treasury agent I talked to said this was a scam called XXXX XXXX scam also authorized push payment. My banks denied my claim even though I have evidence of everything. Nothing like this has ever happened to me in my life and has had a dramatic blow to my life financially and the money I invested came from a settlement from getting hit by a car. Mentally my mind wasnt working properly and a month before I had got out of a relationship with my ex. About a month later thats when this person contacted me .they had a XXXX number from a real carrier. The person contacted me XX/XX/XXXX. 

Date amount of money taking out of account The dollar amounts were converted into bitcoin. All of them are on cash app but they last one being on XXXX XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ cash out XXXX XX/XX/XXXX Transaction XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Subject : Request for XXXX 's Assistance Regarding AfterPay Issue To Chase and CFPB, I would like to acknowledge that XXXX with Chase rightfully handled my concern regarding the XXXX XXXX, XXXX issue, where she clearly stated that she would provide a refund. XXXX also assured me that she would address my other issue related to XXXX. However, instead of XXXX, I received a call from someone named XXXX, who was very difficult to understand. Despite my repeated attempts to explain that I couldn't understand her, she continued to call, showing a lack of respect for my request to have XXXX handle the matter. 

This situation has gone on for far too long, and I respectfully ask that XXXX contact me directly to resolve the issue. Additionally, XXXX, another business involved, had initially agreed to a full refund but later reneged on that agreement. 

Please have XXXX reach out to me at your earliest convenience to address these concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation