vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: PA

Complaint narrative:
I did a investigation on my credit file which these companies claimed that these accounts belong to me. I have information from the source that these accounts clearly don't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX Both account are on my credit file and clear with the information I received don't belong on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: PA

Complaint narrative:
I did a investigation on my credit file which these companies claimed that these accounts belong to me. I have information from the source that these accounts clearly don't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX Both account are on my credit file and clear with the information I received don't belong on my report.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EGL US, LLC
State: PA

Complaint narrative:
This account was included in my bankruptcy and this company is reporting this account as active. This is against the law to still report as active. Please hold this company accountable. 
BMG MONEY INC- ACCOUNT NUMBER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I received an update of my credit reports from all credit bureaus. The accounts with American First Credit Union. This account has been charged off XXXX XX/XX/year>. I was told from XXXX that once an account is charged off and closed., that there should not be any more reporting unless the was a payment was made on the account. However, there was a new amount that appeared on the account. I was also sued by this Company, I appeared in court however no one from the above company never appeared, so the XXXX made the award in my favor. I also called the Bank on XXXX XXXX XXXX XXXXXXXX. I spoke with a female that stated that the amount that was added to my credit report was for legal fees that the new collection agency that is suing me. I am not aware that a company can do this. I questioned the said lady regarding this, she stated that is what she sees so I was not happy about this, so she transferred me to another lady by the name of XXXX. XXXX tells me that it is an error on all the credit bureaus that they put the other amount on the credit, so I questioned and ask why they would just make up an amount to put on my credit reports. She stated she is not sure. so, the conversation just went back and forth until finally she admitted they made the error and did not put the correct amount on the account 3 years ago. She also said since I did a dispute this is when they updated the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am STILL struggling to understand why my Paypal Credit account was locked for " unusual activity '' at around XXXX XXXX EST, two nights in a row, at the beginning of XX/XX/year>. It happened twice. Please see attached screenshots of my emails from Paypal 's security system for proof. Synchrony 's first response back in XXXX ( attached as a PDF ) implies it was PROBABLY locked as part of the process in my identity theft investigation, but their explanation seemed pretty vague. Synchrony 's newest response from this past week is telling me I need to contact Paypal directly to figure this out. Well, I DID previously contact them directly on CFPB Case Number XXXX. Paypal rejected this report without saying anything to me, and it was silently passed over to Synchrony. The past four months have been an unrelenting battle where I'm getting kicked around in every direction and I'm not getting any clear answers for my legitimate privacy concerns. Please see the attached PDF reports from XXXX XXXX XXXX for that whole horrendous paper trail. So, I'm back to my second attempt where I'm asking Paypal this question directly : WHY was my account getting locked at random hours two nights in a row? Is this something Paypal was legitimately doing as part of the identity theft case, or was this some anonymous goofball trying to hack another one of my bank accounts as a prank? The thing is : IF this is just something Paypal did manually as a precaution, I really don't mind! I would still be wondering why they chose to lock my account twice at XXXX EST in the XXXX, but at least I would know who is doing it. BUT I still need to know : Was this someone trying to hack me again?!

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 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
In XXXX of 2024 I received a letter from Jefferson Capital System regarding a debt I have no idea about. The letter stated that I have until XX/XX/year> to dispute the debt. In XXXX of 2024 I mailed Jefferson Capital System a letter requesting more information about the debt. I never received a response and this account showed up on my credit report XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX  XXXX.This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

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 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
On XX/XX/year> I was falsely XXXX  for 4 days I had went to XXXX  with no phone or any electronic devices as my belonging sheet stated During my false XXXX  which was later cleared my home was burglarized .. my phone was stolen and someone broke into my phone and stole XXXX dollars when I got out I found what happened and I called chase bank to try and recover my money I sent them proof of me being XXXX XXXX XXXX XXXX XXXX XXXX  without any phone services at all I also submitted a letter of my belonging while being XXXX As well as my XXXX XXXXXXXX  chase told me since I had sent money to the person before it meant fraud was not done to my own personal account I appealed it gave them more information as they requested and they still denied me there is no way I can have control over a phone and its apps if Im XXXX  I feel helpless and need my money this day and time XXXX isnt anything to take lightly I need help against big corporations when they know that I couldnt have authorize any type of transactions for that amount and I never have in the history sent anyone that much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ava Finance, Inc
State: FL

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
you furnished to { XXXX, XXXX, and XXXX } } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late.

It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account.

Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
This isnt accurate information on my credit file! I need your method of verification. This isn't my correct address that XXXX XXXX reports as mine.

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 2024-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I sent them a debt verification affidavit and they didnt respond. ( Please see attached )

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 2024-08-11 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: Albert Corporation
State: TX

Complaint narrative:
So i've been trying to get my money out and cancel this app I want my money out. It won't let me transfer out. 

Their app, forces you to signup ( that's right, even tho i was already signed up for savings ( money coming in ) in order to withdraw the cash, you have to signup for their CASH account, so I went thru and signed up for all their " Albert cash '' account ( and other XXXX  services i cant recall the name of ) that I DIDNT WANT - and now it STILL WANTS ME TO VERIFY AN OLD ACCOUNT THAT DOESNT EXIST ANYMORE ( old closed checking account ) even tho i have added several other accounts that work just fine. 

Charging me $ XXXX for months now ( i guess is signed up for the subscription at some point?? but I CAN NOT CANCEL! ) I Even tried to cancel without getting my money out ( because yes thats how done i am ), It wants the last 4 digits of my physical Albert debit card. I didn't not order an albert card. I don't want a ALBERT CARD. 

I want to close my XXXX account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-11 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
XX/XX/2024 amount XXXX, XXXX. XXXX returned then used again to transfer money to account not mine for XXXX, XXXX and then XXXX. Still no return money or replacement card. XXXX American express serve. I have called XXXX several times and I get the run around from people with XXXX accents who do not understand me and sometimes I do not understand them. Emailed several times got answer back once now no answers to emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America states I opened a credit card, but I never did. And I never used it. I have only ever had a checking account with them when I lived in XXXX Florida.

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 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XXXX I made a payment to Shellpoint for the amount of {$1800.00}. 

They have it called " Unapplied Payment ''. 

It was not applied to anything. 

The prior Escrow was at ( {$7900.00} ) After this payment, it was still at ( {$7900.00} ) The principal balance was at {$310000.00} After this payment it was still at {$310000.00} Shellpoint did not apply this payment to anything on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Integra Auto Capital
State: TX

Complaint narrative:
I reached out to them letting them know I am a victim of theft and that under the act that its a violates the fcra & 1681 and nothing still haven't changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
I am formally disputing the account XXXX XXXX XXXX XXXX XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices. 

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge.

I dispute this debt for the following reasons : [ Insert reason ( s ) for dispute ]. 

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
I am formally disputing the account XXXX XXXX Acct # XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices.

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge.

I dispute this debt for the following reasons : [ Insert reason ( s ) for dispute ].

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, 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 2024-08-11 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: IN

Complaint narrative:
I had opened an account with Venmo. I have added money to the account with my debit card. I have paid bills with the account. I opened a XXXX  account for my daughter With that, they had to release the previous phone number so that way, she could use her phone number with venmo. I then requested.They released my son 's phone number because it was linked to someone else 's account and it's a new phone number. Fast forward a few days later, my daughter have downloaded the app to another phone.Reset her password and I was trying to send her money and it was being declined. Next thing I knew XXXX minutes later. I get an email that her account is suspended and mine is frozen. As submitted the documents they wanted, even though I don't understand how that's helpful because I'm allowed to change my password, so is my child, I don't understand how that goes against their policies? I got a response to the ticket about releasing the phone number.That 's linked to my son 's teen account, and they inform me that they are permanently suspending my account and holding my money for 180 days. When I called, they informed me that I do not have a say so in the matter and that this is permanent and they will not talk to me anymore. That they dont have comply with federal regulations. 
They are holding XXXX XXXX XXXX XXXX XXXX, causing severe emotional and financial harm. Because that is all the money that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: OH

Complaint narrative:
XXXX XXXX  XXXX states I opened a credit card, but I never did. And I never used it. I have only ever had a checking account with them when I lived in XXXX Florida.

Company response to consumer: Closed with explanation