vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing to seek your assistance in a financial fraud case that has caused significant financial losses for me and several of my friends. I believe this case involves criminal activity, including the use of stolen identities and stolen credit cards. 

Summary of the Situation : I was initially contacted by a buyer through XXXX XXXX who successfully purchased XXXX items from me. After establishing trust, the buyer requested that I help him obtain multiple XXXX XXXX XXXX and XXXX XXXX models, offering an additional {$100.00} for each phone. Over the course of these transactions, I sourced around XXXX phones for the buyer. 

The buyer made payments to me via Venmo using the XXXX XXXX XXXX option, which made me believe the transactions were legitimate. However, after receiving the goods, the buyer claimed my Venmo account had reached its transaction limit and requested I use different accounts to receive further payments. I then involved several friends to facilitate these payments. 

In total, the buyer sent me around $ XXXX. After all the phones were delivered, I was still owed approximately {$6000.00}. Shortly after, I learned that the buyer had used stolen identities and credit cards to make these payments, and Venmo began disputing the transactions to me and my friends. I am now being held liable for all the disputes that are occuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am a former tenant of the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, located in the city of XXXX, XXXX at the address XXXX XXXX XXXX, XXXX, I had a conflict with the XXXX. The fact is that I booked an apartment and made a payment for the reservation. My lease was ending and I booked housing in advance. Closer to the release date of the reserved apartment in the residential complex, I went to the office and I was presented with the fact that this apartment went to another person. I, a XXXX  XXXX, through an interpreter, reminded that this is illegal, the XXXX XXXX XXXX began to drive me out of the office and later apologized. As a result, I moved out of this residential complex and handed over the keys, the premises. They did not return my deposit and issued unfounded bills. Now the core XXXX has transferred the unfounded debt to the collection agency XXXX. XXXX does not provide documentation on the transfer of debt and ruined my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed a credit inquiry that I did not recognize and did not authorize anyone to pull my credit report. The inquiry was made by the company listed below : Bank : XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX Date : XX/XX/year> Please validate the info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I noticed that inaccurate information was being reported on my consumer report regarding a debt to LVNF Funding, LLC/Resurgent Capital XXXX XXXX I wrote the company requesting validation of this debt since I had no knowledge of the company, the account, the amount, etc. The company did not respond to my requests. They did not send validation information. This debt is negatively impacting my consumer report/credit score. According to15 U.S. Code 1692g, I am within my rights as a consumer to have this information within XXXX days or have it removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
Someone used my information to open accounts under my name. Im tired of calling the collection agencies, and they cant answer my questions. This has greatly affected my financial situation. I need help to remove these frauds from my credit report. 
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 non-monetary relief
Consumer complaint received 2024-10-24 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:
Someone used my information to open accounts under my name. Im tired of calling the collection agencies, and they cant answer my questions. This has greatly affected my financial situation. I need help to remove these frauds from my credit report. 
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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase offers a service called Pay Over Time, which allows a cardholder to split up payments from large services into smaller ones. 

I made an XXXX XXXX purchase using this card, because I knew I could use the Pay Over Time feature. 

However, after getting notifcations in the app that my XXXX XXXX purchase was eligible for Pay Over Time, yet I could not activate the service. I contact Chase by phone and the respresentative kept reading from a script and not addressing the issue. So I sent in an email.

In the email process, it was discovered I still had a Pay Over Time purchase still on record, but it had been paid off months back. Chase researched the issues and found out there was an error in the system. The error has been fixed, but I'm still not able to use the Pay Over Time feature on my XXXX XXXX Purchase. 

After further discussion with Chase, they kept giving me the run around, and took weeks for a " supervisor '' to provide me with a generic answer. At no time did they offer to fix my issue or offer any type of compensation for their error causing me having to pull money out of other savings to cover the purchase ( so I didn't pay interest, as I could not use the marketed feature ). 

They sent me an email stating they would not address my issue anymore unless new details came up; but they never addressed the issue. They admitted an error which negatively impacted me, and now I'm out almost {$900.00} all at once, which was not planned or supposed to happen if they abided by their own terms and conditions. 

I would like Chase to refund me half of XXXX XXXX bill in a check ( not an account credit ) or ideally, refund me the full amount as again, they admitted a system error happened which affected my ability to utilize the features of my credit card as advertised and their customer care team was more focused on trying to close out the case, delay me, give me the run around, basically stall me in hopes the issue would go away instead of abiding by terms and conditions as set forth by them and financial regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Equifax will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX Bank # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
In XX/XX/XXXX, I spoke directly with the property XXXX XXXX XXXX claiming that I owe them move out costs. After speaking with a handful of employees including the property manager, I learned that they were attempting to charge me for fees that they initially were waiving during my application. Upon canceling my application in less than 24 hours, due to discovering that many of their tenants are extremely unhappy with the company, staff, and property, specifically stating that they are criminal in their practices and try to take advantage at every chance. I received a bill with fees detailed as move out costs.

When I asked for an explanation of how they can charge me move out costs for an apartment I never entered, I was directed to a legal document stating they have the right to retain any payments received. I tried clarifying with the property manager that by definition retain means they already have the money and have the right to keep it. Not that they can say its free to apply and there are no strings attached, which is why I did it without significant research, then charge after I quickly revoke my application. I spoke with their billing department on XX/XX/XXXX and they told me that the property manager can cancel the charge, when I tried to relay the information to the property manager, I was responded to with hostile tone and eventually, I stopped getting a response from the property manager. 

I later received a notification from I.Q. Data International on XX/XX/XXXX with directions on how to dispute the claim and by which date. I used there form attached to the mailer and sent my dispute on XX/XX/XXXX. The initial letter said that if disputed before the date provided they would stop collections but they didnt. I had also asked for more information on how/why I allegedly owe this debt, but received no supporting documents or response. Shortly after my dispute, I saw the debt had already gone to collection and was reflected on my credit report. On XX/XX/XXXX I attempted to contact I.Q. Data International again, but have still received no response and the debt collection has not ceased to exist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my Equifax consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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 couldnt believe it when I saw inaccurate accounts on my credit report this morningI have no idea why they're suddenly there. I check my credit report all the time, and out of nowhere, these errors appeared. I thought maybe it was just a glitch, so I refreshed my browser, but the issues stayed. Im asking for a complete review of my documents so that this never happens again and I can have peace of mind.

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 2024-10-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing 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 attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Original creditor : XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing 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 attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Equifax violated the United States Code Law 15 U.S.C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: Express Recovery Services, Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never gave an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 ( K ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME.

If you accept my request, i will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 

sincerelyXXXX XXXX XXXX 

All Rights Reserved Without Prejudice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$700.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Experian, XXXX, XXXX will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : 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