vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX XXXX agency is Scott & Associates PC is reporting a collection amount of {$970.00} with a closing date of XX/XX/18. This debt exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX account with XXXX is inaccurate on my report. I've never rented an XXXX  at XXXX XXXX XXXX due to me stationed at XXXX XXXX. North Carolina at the time of incident. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with XXXX is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/2021. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with Experian is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/2021. This account is inaccurate and should not be on my report, please remove 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 non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have no idea about this debt. I almost paid the collector, however upon requesting paperwork from the original debt, the company stated that I wasnt able to access that paperwork until I see a judge, that it would be made available in the discovery packet. I have contacted the company they state I owed money to, and this company stated I have never had an account with them ( I used the social, account number, and name provided to me by the debt collector ). XXXX XXXX XXXX ( XXXX XXXX ) is the company. I requested all transaction and signed paperwork ( that they claim they have ) again today, and was denied until litigation begins. Theyve told me if I pay today, itll be {$1100.00}, but if I dont and request the papers, they wont settle and will request the fill {$6000.00}. I have never even heard of the company theyre stating I owe money to. 

I have requested that the company stop all collection efforts for a reasonable timeframe ( 30 days ) until the requested paperwork has been received and ample time permitted to review and validate the legitimacy of the debt. The company refused, and actually laughed at my request. They will NOT give me any proof of this debt ( other than a paper from the collection company ) unless I agree to go to litigation for the full amount and all associated court and legal costs.

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 2023-11-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts 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 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 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 of 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 2023-11-10 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: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : 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 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 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 of 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 2023-11-10 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Two collections agencies have reported the same a debt on my credit report, all of which does not belong to me. They are XXXX. XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX. XXXX XXXX XXXX. 

I have request the original purchase agreement that shows the legal owner of this alleged debt. Also, requested that they include all the terms and conditions that are included in this purchase agreement. 

In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my Federal Protected rights to privacy and confidentiality under 15 USC 1681. I informed XXXX, XXXX XXXX and XXXX to reinvestigate these accounts and to remove and deleted them from my credit report, immediately. However, only XXXX XXXX XXXX was deleted. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602A, states the right to privacy. 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructionswhich I did not provide to them. Furthermore, these alleged debts are over XXXX XXXX XXXX and by law any debts XXXX XXXX XXXX must be removed and deleted. 

My information has been impacted by these credit bureau and has cause extreme stress. These credit bureaus sold, bought and traded illegally. I am requesting The FCRA states that accounts and collections must be complete, verifiable and accurate. XXXX XXXX XXXX and XXXX XXXX XXXX have both illegally reported this alleged debt on my credit reports causing a significant amount of stress, embarrassment and loss of receiving credit. Requesting that these items be deleted and removed in a timely manner. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account email : XXXX PayPal case ID : XXXX XXXX never received a package from the seller from XXXX paying through PayPal. The package was worth {$810.00} USD total and XXXX told me to settle the case via PayPal. The package was supposed to arrive on XX/XX/23. 

The seller did not require a signature upon delivery, and the package was only insured up to {$100.00} per USPS. I have attached screenshots of my communication with the seller in an attempt to ask for a refund and resolve the issue. Seller did not provide me a refund and the issue was not resolved.

Initial USPS case ( case # XXXX ) was closed with USPS unable to find my package or resolve the issue. USPS customer service representative I called on XX/XX/23 recommended I reach out to PayPal to resolve this issue. USPS started a new case ( case # XXXX ), but the representative stated, due to the package only being covered {$100.00}, I should file a claim with PayPal. 

I have called PayPal at least 4 times since filing my claim and the representatives refuse to resolve my issue. PayPal 's policy states that, for any item over {$750.00} USD, a signature upon delivery is required for " Proof of Delivery. '' The seller in my case did not do this, and I still have not found my package despite checking around my apartment complex and calling USPS multiple times.

Thus, there is no " Proof of Delivery '' per PayPal guidelines.

One PayPal representative told me the case would be resolved during the first week of XXXX. It is now past that and nothing has been resolved. 

Another PayPal representative stated that they contacted USPS, but USPS would not provide them any information as the USPS investigation is separate from PayPal. Therefore, PayPal using USPS as an excuse to delay resolving my case is not valid.

PayPal is refusing to work with me to come to a resolution for my case, as they have provided me no updates at all outside of me calling them.

I demand a refund from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-10 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This bank has extended several lines of credit to me as a primary or authorized user that was subsequently lowered or revoked in a short amount of time. While this is an allowable practice, I believe this bank abuses the privilege. This practice of Synchrony Bank is akin to predatory lending : it falsely creates a sense of predictable security of economic leverage and, despite good faith practices on the part of the consumer with limited means, closes the account with notice after the fact, damaging the credit rating for no other reason but risk management. This has sent us into a scramble with our household budget. I daresay if this practice were directed to my mother by XXXX XXXX in the XXXX I would not have the education today to write this complaint. Consider the following facts : Note that no late payments were made to any of these credit cards. Belk XXXX XXXX extended XX/XX/XXXX at {$800.00}. Limit reduced to {$370.00} on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$500.00}. Limit reduced to {$250.00} on XX/XX/XXXX, and account closed on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$200.00}. Account closed on XX/XX/XXXX. I am curious how many other families have been injured by this practice. Please help.

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 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
My name is XXXX XXXX. I have a problem with a collection agency called Firstpoint Collection that is reporting I owe them a debt for XXXX XXXX  however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a XXXX XXXX of the XXXX  I feel this is wrong and I need it fixed please is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act : this, XXXX XXXX  {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Our ZELLE payment feature has disappeared without notice or reason and we do not know who is to blame, as both XXXX XXXX, Zelle and XXXX blame each other. 

Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received emails about a new credit card opened at Capital One and a hard credit check on my credit report today. XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: LA

Complaint narrative:
I, XXXX XXXX, have been a victim of identity theft, and as a result of the Louisiana Data breach, all of my personal information and credentials have been exposed. I do not have an account with XXXX XXXX XXXX, and my credit report reflects inaccurately. There is an inquiry on my credit report that does not belong to me due to identity theft, and I have no knowledge of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: LA

Complaint narrative:
I, XXXX XXXX, have been a victim of identity theft, and as a result of the Louisiana Data breach, all of my personal information and credentials have been exposed. I do not have an account with XXXX XXXX XXXX, and my credit report reflects inaccurately. There is an inquiry on my credit report that does not belong to me due to identity theft, and I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX XXXX aka Mr. Cooper aka Nationstar has continued to provide incorrect, misleading & contradicting information which has lead to them now beginning a foreclosure complaint while they continue with RESPA Violations. 
1. Never sent a Notice Of Intent to Foreclosure Letter & yet continue to say they did in XX/XX/2023. 
2. If they did send this alleged NOI Letter the USPS tracking they included with the debt validation reply shows NOI Letter was not delivered by mail and/or certified as the rules/law state. 
3. If they did send this alleged NOI Letter in XX/XX/2023 the mortgage payment due was less than 50 days late and NOI Letter should not be mailed after less than 2 full months arrears that were still be questioned by us with the Servicer. 
4. In the XXXX Debt Validation letter reply XXXX  XXXX states the alleged NOI Letter in XX/XX/2023 amount was for {$24000.00} when at the very most any mortgage debt balance in question would have been approximately {$8700.00}. 
5. In the XXXX Debt Validation letter reply XXXX  XXXX states that the investor is XXXX Asset Backed XXXX Trust. 
6. In the XX/XX/XXXX Foreclosure Complaint the Plaintiff states the investor is XXXX XXXX XXXXXXXX  who they claim was the investor from an assignment of mortgage and was the investor in XX/XX/XXXX  which clearly contradicts XXXX XXXX  reply in XXXX  debt validation letter. 

These continued contradictions and misleading replies has caused us both financial and emotional distress due to their RESPA VIOLATIONS and need to be rectified and any foreclosure complaint to be cancelled immediately.

Company response to consumer: Closed with explanation