vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
I am writing to file a formal dispute regarding incorrect addresses on my Equifax credit report. I have previously reached out to Equifax via certified mail on two occasions, but the inaccurate information persists. Additionally, I am a victim of identity theft, and unauthorized use of my credit has occurred. I respectfully request your assistance in addressing this matter promptly. 

The incorrect addresses that need to be removed from my Equifax credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I want to emphasize that I have never resided or received mail at any of these addresses. Their presence on my credit report not only jeopardizes my financial standing but also underscores the severity of the identity theft issue I am facing.

As per 15 U.S.C. 1681s-2 ( A ) ( 1 ), Equifax is obligated to furnish accurate information to consumer reporting agencies. In my previous correspondence with Equifax, I have provided evidence of the inaccuracies in my credit report and requested their immediate removal.

I have sent two certified letters to Equifax disputing these addresses : Certified Letter : XXXX Sent on XX/XX/2023 Certified Letter : XXXX Sent on XX/XX/2023 I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. Equifax 's failure to respond within the legally mandated XXXX window has not only delayed my credit report 's correction but has also caused undue stress. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Despite my diligent efforts, these incorrect addresses remain on my Equifax credit report, casting a shadow over my financial stability and causing unwarranted distress. 

I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Your prompt attention to this issue is greatly appreciated, as it will significantly contribute to the resolution of my identity theft case and the restoration of my creditworthiness. I look forward to a timely response from your office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
Conserve collection agency is wrongfully reporting a collection on my credit report and it is affecting my credit score drastically.

I received NO written letters via mail or email about the pursuant of this debt and I do not believe this debt belongs to me at all. While I do recognize the original creditor I have no recollection of having received any loans from them.

ConServe collection agency has never contacted me to inform me of this debt, so I was not aware of it until it showed up on my credit report also, with no notification.

A debt validation letter was sent, requesting verification of the debt, including information about the original creditor, to which no response has been given.

ConServe has violated many laws of the Fair Credit Reporting Act including ; 15 USC 1692f Sec. 807 ( 11 ) - states that I have the right to be informed of an attempted debt collection.

15USC 1692H- Sec . 809 " Validation of Debt '' states that a collector must be able to validate the debt by providing information about the original creditor.

Sec. 809 also states that a collector must report that the account is in dispute upon receival of a debt validation letter. 

None of which has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I was contacted by Columbia Debt Recovery LLC DBA Genesis via telephone after they made a report to my credit that I was in collections for {$10000.00} owed to XXXX XXXX on XX/XX/2023. I then requested that they forward me an itemized report because I only owed half of what they were claiming they were recovering. Columbia Debt Recovery then proceeded to email me a false ledger with an incorrect amount owed. I asked that they discontinued contact with me until they could correctly verify the amount that they say I owe, they then proceeded to call my cell phone number numerous times daily. I contacted XXXX XXXX myself and confirmed that the amount being requested from Columbia Debt Recovery LLC was incorrect, XXXX XXXX then proceeded to email me the detailed ledger that they had on file with their contact information for anyone who was trying to collect. I forwarded the information to Columbia Debt Recovery again and requested that they adjust the amount owed. I am now concerned that this is a fraud company that is trying to scam me out of paying them a large amount of money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NJ

Complaint narrative:
Trans Union, XXXX, and XXXX are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.

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 2023-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
I have asked multiple times for the collection agent not to contact me at work. Their name pops up on the caller ID when they call and she is very rude and condescending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX AmEx informed me that I needed to make a minimum payment of {$80.00} ASAP. Due to poor communication from XX/XX/XXXX to late XX/XX/XXXX between AmEx and self, had made payments to AmEx totaling {$31000.00} from XX/XX/XXXX to XX/XX/XXXX. Discovered this large balance in late XXXX via a credit reporting agency, not AmEx. Since I did not understand the minimum payment crisis, I contacted AmEx both via phone and chat on XX/XX/XXXX. Told I needed to make a minimum {$80.00} payment on {$450.00} charges. On XX/XX/XXXX had {$470.00} " Reward Dollars '' XXXX XXXX ) that I earned for using the card. I have used XXXX to pay off charges before with no drama and asked them to pay off the charges with XXXX and cancel the card. I wished to cancel the card to end the nightmare that started XX/XX/XXXX, I became aware of late XX/XX/XXXX, and seemed to be ongoing XX/XX/XXXX. Informed that any XXXX XXXX ( {$21.00} ) would be lost when the card was canceled. Said that was fine, they could consider the {$21.00} my Thank You for canceling the card. I expected AmEx to offer a {$21.00} gift card but they did not. 
XX/XX/XXXX After an e-mail to my wife, talked to AmEx. Discovered that AmEx had simply canceled the card on XX/XX/XXXX, liquidating the $ XXXX XXXX account without paying off the {$450.00} charges account. Thus, AmEx took {$450.00} that I had earned for using the card without my consent ( Note that I did consent to AmEx keeping {$21.00}. ) AmEx promised to investigate but have no evidence of any follow-up. 
XX/XX/XXXX ( today ) Contacted AmEx ( XXXX ) following yet another e-mail to my wife. Informed I now owe AmEx {$550.00} ( {$450.00} + {$80.00} late fees from XX/XX/XXXX and XX/XX/XXXX + {$18.00} finance charges from XX/XX/XXXX and XX/XX/XXXX. Informed AmEx that my position was that they owed me ( using their own accounting methods ) {$100.00} ( {$21.00} + {$80.00} theft, dishonesty, and harassment fee + {$0.00} finance charge ) and that I would expect a gift card for this amount in the mail. AmEx did not agree. As a compromise I offered to send them a payment of {$100.00} after receiving the gift card. AmEx did not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: CA

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

XXXX the list of the questionable items : XXXX  XXXX Late Payment {$6700.00} XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXXXXXX Late Payment {$350000.00} XXXX XXXX Late Payment {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: Block, Inc.
State: NJ

Complaint narrative:
I have contacted Cash App /Block Inc. several times since XX/XX/2022 about lifting the UCC-1 debt holds on my Cash App account as these debts have been satisfied and the the debt holders have filed a XXXX balance letter and UCC-3 forms stating that the debt was satisfied and the holds are to be released. I contacted Cash App through the app, which is the only way to contact them but to no avail. I constantly get the same response providing information about the debt holders and that I needed to contact them so that they could send the releases to Cash App. There were 2 debt holders that filed UCC-1s that Cash App informed me of and the debt holders sent the release forms several times and I offered to send the emails in which the debt holders sent me a copy of the fund releases as well. I have been trying to resolve this issue for over a year. I would like the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2023 I received an alert from Chase bank regarding suspicious activity. I advised them I did not enact the transaction of two wire transfers. Chase advised they would be monitoring my account more closely and my password was reset by the rep. 
On the morning of XX/XX/XXXX, XXXX wire transfers went through. I contacted Chase immediately and a claim was submitted and my checking account was frozen. 
I was told i would have to go directly to Chase bank in order to open my account so I could have access to it. 
I went to the bank the following morning and was told no one was available to assist me in any matter. 
An appointment was made the Monday of XX/XX/XXXX. 
At this time my checking account was changed from frozen to restricted, meaning no monies could be taken out but any credits and refunds would be accepted. 
A new checking account and savings account were opened. And new cards were issued for the checking account and 2 credit cards I have in the account. 
At this time as well the rep contacted the fraud department and this is when the rep informed me the claim was denied because they could not confirm it was fraud. 
The reason they claimed no fraud was because the transaction occurred in the same geographical area. 
What does that mean? Just because it did not occur internationally, its not considered fraud? 
I also mentioned that the 2 transactions on XX/XX/XXXX had referenced names and XXXX XXXX. Which had been reversed by Chase during the call on XX/XX/XXXX. 
The 7 seven transactions were also to XXXX XXXX and had one of the same names referenced. 
The rep said he would escalate this issue and I would receive an answer by Friday of that week. 
I called Chase on XX/XX/XXXX and was told the claim was declined again. 
These transactions are fraudulent and Chase will not do anything further. 
These transactions overdrew my checking account and since I have overdraft protection the monies were transferred from my savings account to the checking account. 

These transactions are on on record with Chase I have lost {$1900.00} and transfer fees of {$170.00}. Total {$2100.00} Please look in to this matter and I hope to have this resolved with the monies that should been considered as fraudulent. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, and Equifax are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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:
XXXX XXXX, Experian, and XXXX are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I made my fiance my power of attorney to received the full amount out of my account it's been almost 2 months since I got an answer on the power of attorney request. Once i.got the power of attorney request back it was denied. I called pnc to see why it was denied they never gave me a direct answer multiple times they said they were going to contact me and they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX I was attempting to transfer from my chime card to my bank. Instead I transferred to chime. I tried to do it a second time and still transferred to chime. I decided to pay anyone to myself thinking that would solve the problem but the funds never posted. Ive done four disputes with chime all being denied. I told the I misunderstood what I was doing and send pay anyone instead of transferring. They kept telling me I send my money to $ XXXX XXXX which is me, and it cant be funded. Both transactions were for {$190.00} each. Total of {$380.00}. I did not send this money to someone else I sent it to myself. I just want my funds posted to my account. I filed four disputes with chime. All denied. I now have a XXXX XXXX report and have filed s dispute with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I using the Bank of America to pay my financing XXXX XXXX XXXX to pay them but what happened is First its going tru my auto pay then I set up for XXXX pay then I get in in trouble again be cause there repossession my car because of non paying them but I have proof that I paid them but the XXXX told all of my payments is get reversal or insufficient but you know what happen is my Bank intuition Bank Of America there sending cheque but I never requested to them then the XXXX XXXX. Hills there received it and then sending me again to my home then until I become struggling because of there negligence and discrepancy circulation and to end of my account there get close And my dignity its irrespectable by XXXX XXXX XXXX Staff keep back and port to Bank of America this issue that can not be resolved and I feel being discriminated traumatized experienced also to the other Bank intuition like XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX I mistreated to all this bank the way I get there services as costumer until now.

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 2023-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
Advance financial is the original debtor who turned me over to a collection agency called XXXX XXXX XXXX, XXXX. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Starting at the end of XXXXbeginning of XXXX, I applied for and IDR Through Mohela. I was denied and called in, they told me to resubmit and to provide my XXXX tax docs. I did and was denied again. I had to called 6 more times, each getting a sliver of what to turn in to get approved. on the XXXX time I was Transferred to a Specialist who told me to submit my XXXX, XXXX, and XXXX w2 's and resubmit the IDR. the 7th time I called I spoke to a so called " specialist '' who pretended to know what she was talking about, just to get me off of the phone. I am a XXXX  and my colleague submitted his IDR not even a week ago and got approved. He submitted the same requested documentation that I did yet I still am waiting to be approved for over a month. This most recent time I called and was on hold for 40 mins before speaking to a representative. She could not assist me and kept putting me on hold. I asked to be transferred to a specialist who could better assist me. instead I was put back in que with a 90 min hold. I also want to mention that Mohela is only available from XXXX to XXXX est. which is when I am working. They normally will have 90 min que times. I am also a XXXX  Veteran who has XXXX, XXXX XXXX  and XXXX. I feel as though I am being discriminated against by Mohela. I have let them know that I can not make the insanely high payments, that I am a XXXX as well as a XXXX vet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation