vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a complaint against Chase regarding my credit card account ( Account Number : XXXX ) due to questionable practices surrounding my debt, particularly concerning the documentation provided by Chase and the conduct during a pending lawsuit. 
1. Background : I opened a credit card account with Chase in XXXX, I encountered financial difficulties and fell behind on payments. Subsequently, I received communications regarding my outstanding balance and legal action. 
2. Legal Action : On Feburary XXXX, XXXX, I was served with a lawsuit filed by Chase in XXXX XXXX. The lawsuit claims that I owe a balance of {$24.00}, XXXX. I am currently contesting this lawsuit due to discrepancies in the documentation provided by Chase. 
3. Robo-Signing Evidence : During the discovery phase, I reviewed the documentation submitted by Chase, which included a proof of debt that appeared to be robo-signed. This document lacks verification and authentic signatures, raising concerns about its validity and the overall handling of my account. You can also find the same alleged employee on several hundreds of suits being filed daily in XXXX XXXX and XXXX XXXX. Chase has previously been sued for this practice. 
4. Inadequate Proof of Debt : I have requested additional evidence from Chase to substantiate their claims regarding the debt. However, I have not received adequate documentation, nor have I been able to confirm the legitimacy of the account as claimed in the lawsuit. 

I respectfully request that the CFPB investigate these practices by Chase, as they appear to violate consumer protection laws. I believe that Chases actions have not only impacted my financial situation but have also contributed to significant stress during this ongoing lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-10-25 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:
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 2024-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
I applied for a personal loan from BHG financial. The company address is XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX. I did not like the terms of the loan and did not proceed and never agreed to the loan so never got the money. However, for the last 2 years the company has been bombarding me with mail. At first I was getting it at my home address and then they somehow found out where I work and started sending me advertisement mailings at my work address without EVER getting any consent from me. I called them on XX/XX/year> and told them to STOP as I WAS NOT interested in any of their services or loans and they said that I will not be getting any further mailings after 30 days. That was not the case and I continued to get advertisement letters and mailings. I then filed a complaint with XXXX XXXX XXXX  on XX/XX/year>. XXXX  contacted the company and I was again promised no more mailings. I received another letter from BHG yesterday on XX/XX/year>. I don't know what else to do. Please HELP. I don't want to receive any mail from this company. I think they are an awful company and I don't want to have anything to do with them and I feel like I being harassed. What right did they even have to start sending me advertisement letters at work? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: MS

Complaint narrative:
Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY.

Also, I never gave the credit bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX XXXX Account # XXXX Account status is incorrect. High credit limit incorrect. Date of last activity incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report XXXX. XXXX XXXX XXXX Account # XXXX Account status is incorrect. Date of last activity is incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX High Credit Limit is incorrect. Date of last activity is incorrect which means the account has been reaged. This is inaccurate information.

Please delete this from my consumer 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 non-monetary relief
Consumer complaint received 2024-10-25 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: MS

Complaint narrative:
Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY.

Also, I never gave the credit bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX XXXX Account # XXXX Account status is incorrect. High credit limit incorrect. Date of last activity incorrect which means the account has been reaged. This is a violation.

Please delete this from my consumer report XXXX. XXXX XXXX XXXX Account # XXXX Account status is incorrect. Date of last activity is incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX High Credit Limit is incorrect. Date of last activity is incorrect which means the account has been reaged. This is inaccurate information.

Please delete this from my consumer 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 non-monetary relief
Consumer complaint received 2024-10-25 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the debt being reported by Calvary Portfolio Services. I am not aware of owing this debt, and Calvary Portfolio has failed to provide sufficient evidence that this debt is valid. Despite my requests for verification, Calvary Portfolio continues to report this account inaccurately on my credit report, harming my credit score and causing undue stress.

The repeated reporting of an unverified and potentially invalid debt is misleading and constitutes a deceptive practice, in violation of the Fair Debt Collection Practices Act ( FDCPA ). Calvary Portfolio has failed to follow proper verification procedures and has disregarded my attempts to clarify this matter. Their lack of transparency and ongoing attempts to collect this debtwithout substantiating its validityconstitutes harassment and is directly misleading.

I am requesting immediate removal of this inaccurate and unverified information from my credit report, as this account is unjustly affecting my creditworthiness and is unsupported by any evidence provided by Calvary Portfolio. I have asked for proof. Please consider this a formal request for investigation and action to ensure compliance with FDCPA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My name is XXXX XXXX, I filed an arbitration against LVNV., however, I have received a notice from the XXXX XXXX XXXX XXXX informing me that LVNV didnt pay the fees to continue with the arbitration process. This means they are in breach of contract with me. I am requesting the Consumer Financial Protection Bureau launch an action against LVNV. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I went to check the status of my student loans managed by Mohela on XXXX and noticed that one of my loans was showing a passed due amount. I am on the SAVE plan so my loans were placed in a mandatory forbearance in XXXX due to litigation. My loans were current through XXXX before the forbearance began and Mohela provided notice that interest would not be charged on my loans during this time in addition to not having to make payments. I emailed Mohela via their internal messaging system to try and understand what was happening and received a response that says interest can be charged during the 60 day processing forbearance. This seems to conflict with the letter I received in XXXX stating that I would not be charged interest during the forbearance. Additionally, the email response did not address why there was a past due amount showing on my account at all. 

Unsatisfied I called Mohela to discuss my account. After waiting for roughly an hour I was able to speak to a representative who told me there was nothing they could do about the charge on my account. I asked why it was there and was told it was because the Education Department ( ED ) had frozen all loans. I asked for a breakdown of the charge, including when it was applied, and was told they could not provide that for me. I was told ED would " take care of it. '' I asked what this meant and was told ED would handle my loans when litigation was finished with no clear definition for what this meant. I received no explanation for what the charges on my account are from or why there is currently interest showing up on my loans ( per the student aid website dashboard ). I intend to follow up with Mohela next week to try and get written documentation that the amounts overdue will be cleared from my account and that I was not late on payments, however, Mohela has been very inconsistent in handling my loans so I do not expect I will get any documentation. It took over a year for Mohela to remove a double count of my loans from their system while I was transferring to the SAVE program and I was never able to get written confirmation that they were in error for that blunder. 

Additionally, I submitted a complaint for this case ( and the previous one about my loans being double-counted ) to ED to ensure it is logged somewhere and could possibly be helpful to somebody.

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