vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX a dispute report was mailed to chase bank. 
I XXXX XXXX # XXXX have been in the XXXX  XXXX XXXX XXXXXXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I Submitted a dispute for a checking Account beeing opened up in my name due to fraud, I sent out by way of USPS mail to JPMCB for these XXXX accounts # XXXX and # XXXX opened under my name, they never responded back. But yet this bank has Is filed a lawsuit against me in check system report. Had this bank Done their due diligence and answered my dispute they wouldve have seen Ive been in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order XXXX XXXX XXXX to answer this complain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date.

Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
To Whom It May Concern, Report Number : XXXX I am writing to request validation of the debt that your agency claims I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I received a communication from your office regarding a debt that is allegedly owed, and I would like to ensure that this debt is valid and accurate before proceeding with any payments.

Please provide me with the following information as part of your debt validation process : 1. The name and address of the original creditor.

2. A detailed statement of the amount of the debt, including any interest, fees, or other charges that have been added.

3. Verification of my obligation to pay the alleged debt, including any signed contracts or agreements that show I am legally responsible.

4. A detailed payment history that shows how the debt has accrued, including any payments made to the original creditor.

5. Any documentation that demonstrates your legal authority to collect this debt on behalf of the original creditor. 

Please note that I am not acknowledging or accepting responsibility for the debt by submitting this request. I am simply exercising my right to request proper validation. Until I receive the requested information, I request that you cease all collection activities related to this debt, including reporting any negative information to credit reporting agencies. 

I expect your prompt attention to this matter and look forward to receiving the requested documentation within 30 days. If you fail to validate this debt as required by law, I will consider the matter resolved, and I will expect all collection efforts to cease. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 
Account : XXXXXXXX XXXX XXXX- {$130.00}. Date Opened XXXX, XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed from my credit reports as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings
State: CA

Complaint narrative:
I am filing this complaint to address significant concerns about the rental screening practices of SafeRent, which I believe have unfairly affected my ability to secure rental housing due to reporting inaccuracies.

Description of the Issue : Recently, I applied for several rental properties and faced rejections based on information from SafeRent. It appears that SafeRent 's heavy reliance on data, claimed to be sourced from XXXX, has led to the dissemination of incorrect details about my rental history and credit score.

Specifically, the reports generated by SafeRent misrepresent my rental score, inaccurately depicting me as a high-risk renter despite my consistent and responsible payment history. This mischaracterization has caused multiple denials from potential rentals, resulting in undue stress and hardship during my housing search.

Further exacerbating this issue are inaccuracies in my credit score, particularly those originating from SafeRent. SafeRent 's dependence on flawed reports means that my applications are being adversely affected by errors beyond my control.

I am deeply concerned that SafeRent 's use of such erroneous data not only undermines fair access to housing but also negatively impacts my overall creditworthiness, as landlords base their decisions on potentially inaccurate assessments. 

Requested Resolution : XXXX. Thorough Data Review and Correction : I request an in-depth review of the data SafeRent employs in tenant evaluations and correction of any inaccuracies in my credit score. 

XXXX. Transparency and Fair Treatment : I seek transparency regarding SafeRent 's methods for gathering and verifying information and assurance that my case will be handled fairly and accurately in future evaluations. 

XXXX. Guidance for Rectifying Discrepancies : I would appreciate assistance on how to correct the discrepancies in my credit report that may be adversely affecting my rental applications going forward.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear Portfolio Recovery, I recently received a debt collection notice from your office. I'm writing to you to verify that first you have contacted the correct individual and request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

I accordance with the Fair Debt Collections practices Act ( FDCPA ), I request the following information. 

1. Name and address of the original creditor and the account number. 

2. Verification of debt account you are seeking to collect, including evidence that a contact exists creating the amount you claim is owed. 

3. Documentations of all assignments showing transactions of the debt from the original creditor to the current creditor. 

4. Proof that the original creditor securitized the debt. 

5. Documentation showing the assignment 's of the debt from the original creditor the secured trust and then back to the original creditor. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute you right to do so. 

Notification to other Collectors I dispute that I owe this should you transfer this debt to another collector, please inform them of my dispute requesting the validity to this debt. 

Thank you to your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: LA

Complaint narrative:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT THERE WERE SEVERAL ACCOUNTS THAT I HAVE ZERO KNOWLEDGE OF NOR DID I GIVE THEM AUTHORIZATION OR A SIGNATURE. Here are the accounts : XXXX XXXX {$680.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} {$1000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4900.00} {$3700.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX {$700.00} {$330.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$5000.00} {$4600.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$2300.00} XX/XX/XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX Equifax XXXX Equifax XXXX XXXX Equifax XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Miscellaneous Finance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: LA

Complaint narrative:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT THERE WERE SEVERAL ACCOUNTS THAT I HAVE ZERO KNOWLEDGE OF NOR DID I GIVE THEM AUTHORIZATION OR A SIGNATURE. Here are the accounts : XXXX XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} {$1000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$4900.00} {$3700.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX {$700.00} {$330.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$5000.00} {$4600.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX SPRINT ) XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian 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 Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/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 2024-10-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax and XXXX due to their inaccurate and misleading data reporting on my credit reports and failing to remove this information despite me showing proof that this data is misleading and inaccurate when XXXX XXXX XXXX XXXX ( XXXX ) failed to provide proof that this alleged debt is even mine or that XXXX legally owns this debt. Equifax and XXXX did not conduct a true investigation and simply said this item is verified with no proof that is is verified. 

On XXXX I received an email from XXXX stating that a collection would soon be reported to the credit bureaus due to failure to make arrangements with the debt. I was never notified of this alleged debt and was simply told this would soon report on my credit reports. XXXX did not notify me of this alleged debt prior to this notification. 
On XX/XX/year>, I sent a letter to XXXX in XXXX, GA requesting validation of this alleged debt in the form of the Original Purchase Agreement which and shows that XXXX legally owns this alleged debt. 
XXXX failed to respond or provide proof of my request to validate this alleged debt and after this 30 days, I then contacted XXXX, XXXX and Equifax by mail on or around XX/XX/year> to initiate a dispute due to the debt collector failing to provide proof that this alleged debt is even mine. I mailed the letter I sent to XXXX to all three bureaus to provide proof that I followed the process of validating the debt. 

Due to XXXX failing to provide proof that this alleged debt is mine, the data on my credit reports is now misleading and inaccurate. XXXX deleted the collection from my reports. However, Equifax and XXXX did not delete this information off my credit reports despite me showing proof that it is clearly misleading and inaccurate. They simply said it was verified and accurate. 
How is it verified when the debt collector failed to provide me legal proof of this alleged debt and that its even mine? 

I have contacted Equifax and XXXX multiple times to get this information removed and they refuse to comply, failing to show me any evidence of a true investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX the XXXX, XXXX I was tricked into signing this form because of them not being forthcoming. Plus the signature pad, I was told to only sign once on the signature pad and all other paperwork with signature, I didn't even see them nor read, at all, because the signature pad is not reader. I told by XXXX XXXX, " Just touch the spot, he didn't disclose anything or talk about what they were or anything. This is a scam!! Wells fargo bank refuses to get my down payment money back that I made with my debit card to XXXX  XXXX of {$6000.00} I took the car back immediately the very next day, XX/XX/XXXX, after learning of my financial fate that I had to read for myself at home, this paper work that contained the contract with the numbers was signed by a signature pad, and the print was not like the others that I signed I couldn't even read the forms on the signature pad. And I was told don't worry about trying to read it just touch the computer wand and my signature immediately appear on the forms. XXXX XXXX as a whole have several class action lawsuits against them all over the country for fraudulent conduct, that's their XXXX. Starting in XXXX, up to the present. I signed a fraudulent contract because XXXX never discussed the total amount of the loan, the cost of the loan, nor the terms of the loan. I have some medical issues and they took all day before giving me my paperwork, and my blood sugar was very low which caused me to become fatigue. Also, I couldn't read the forms that came through the signature pad, even with glasses I couldn't read it, According to the Truth IN Lending Act, I have 3 days to rescind this contract, if I had an inkling of the cost of this loan, I would have immediately walked out. I am a XXXX  XXXX  but dealing with XXXX XXXX XXXX contributed to my signing without documents. But also, it was never disclosed or brought to me. Also, my credit is very good, but they have on their website, that some of the cars were as low as 3.5 % or 4.9 % yet and still they charged me XXXX and that wasn't brought to my attention either. I was never told nor did he discussed the cost of this loan. They will do anything to lie, cheat and steal, to keep fraudulent activity from senior citizen, by any means necessary.

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