vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if 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 2024-05-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Several unauthorized withdrawals from my account was made. The companies and amounts are listed below. 
XXXX XXXX XXXX XXXX Payment- {$97.00} & XXXX XXXX- XX/XX/XXXX - {$310.00} XXXX- XX/XX/XXXX - {$240.00} XXXX XXXX  XXXX XXXX - {$210.00} XXXX {$970.00} I disputed these transaction with PayPal informed them that they were unauthorized. PayPal denied my dispute and said they were consistent with my PayPal payment history. I appealed the decision and informed PayPal that they were not consistent with my PayPal payment history. I only use PayPal to transfer to my federal reserve XXXX XXXX  XXXX account and receive Payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$0.00}

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 2024-05-11 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX **** Balance Owed : {$320.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: IL

Complaint narrative:
Subject : Dispute with Jefferson Capital System - Request to Cease Contact Dear Consumer Financial Protection Bureau, I am writing to dispute the collection account reported by Jefferson Capital System on my credit report, as indicated in their recent report dated XX/XX/year>. The account in question is for an amount of {$1100.00} and is currently marked as open with a derogatory status. The original creditor associated with this account is XXXX XXXX. 

I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that Jefferson Capital System cease all communication with me regarding this debt. I am formally requesting that they refrain from contacting me by phone, mail, or any other means in relation to this collection account. 

Furthermore, I dispute the accuracy and validity of the information reported by Jefferson Capital System and request a thorough investigation into this matter. I believe there may be errors or discrepancies associated with this collection account, and I am seeking resolution through the appropriate channels. 

I kindly ask the Consumer Financial Protection Bureau to intervene on my behalf and communicate with Jefferson Capital System to ensure compliance with my request to cease contact. I also request that the bureau investigate the accuracy of the reported collection account and take necessary actions to address any inaccuracies or violations of consumer rights. 

I appreciate your attention to this dispute and your assistance in resolving this matter. Please keep me informed of any actions taken and the outcomes of the investigation with Jefferson Capital System. 

Thank you for your support in protecting consumer rights and ensuring fair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Good morning, I filed a complaint withe the CFPB about this company and their response was " Monterey Financial is in receipt of the complaint from XXXX XXXX in regards to the XXXX XXXX XXXX account. The purchase was made electronically, where XXXX XXXX was to provide an unexpired form of identification in order to proceed with the sale. Once provided, the XXXX XXXX XXXX was electronically signed and agreed to upon reviewing the terms, conditions for the purchase with XXXX XXXX XXXX, and subsequently placed with XXXX XXXX. Upon being alerted of the potential fraudulent nature of the account, XXXX XXXX conducted diligent investigation in collaboration with XXXX XXXX XXXX Despite prior communication with XXXX XXXX, the promised supporting documentation for the investigation was not received. Regrettably, XXXX XXXX has requested to cease further communication, hindering our ability to gather necessary information for investigation. Currently, the account remains active, and we urge XXXX XXXX to reach out to our office for assistance in resolving any outstanding concerns. Our agents are readily available at toll-free ( XXXX ) XXXX. '' I would like it noted that this company has NOT investigated this matter to the best of their ability. They proclaim that the person used an unexpired form of Identification in order to proceed with the sale. Therefore, they must have a copy of said identification. There's no way they actually investigated or even have the Identification because if they did, they would know that I am a MALE ( born a MALE ) and they keep referring to me as a XXXX XXXX XXXX thinks I'm a woman. Although this is comical, it doesn't hinder from the fact that this account is NOT mine, it is a DIRECT result of Identity Theft. I want them to stop reporting their collection account to my credit report and close this account. None of the information they have listed match mine. 

Please have them fix this as soon as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
DEPT ED XXXX XX/XX/year> {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.

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 2024-05-11 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:
DEPT ED XXXX XX/XX/2024 {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TX

Complaint narrative:
DEPT ED XXXX XX/XX/2024 {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.

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 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Subject : Complaint Regarding Continued Contact by LVNV Funding LLC Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue involving LVNV Funding LLC and their persistent communication with me after I explicitly requested them to stop. The collection account reported by LVNV Funding LLC on my credit report, dated XX/XX/2024, pertains to an open account with a balance of {$840.00}, originally held by XXXX XXXX XXXX  XXXX XXXX. 

Despite my clear and direct request for LVNV Funding LLC to cease all communication with me regarding this collection account, they have continued to contact me via phone calls and written correspondence. This ongoing contact has caused me significant distress and frustration, as I have made it unequivocally clear that I do not wish to be contacted further about this matter. 

The repeated attempts by LVNV Funding LLC to reach out to me after I explicitly asked them to stop violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Their actions have not only disregarded my request for cessation of communication but have also disrupted my peace and privacy. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf to ensure that LVNV Funding LLC complies with the FDCPA regulations. I seek your assistance in addressing the unauthorized and persistent contact by LVNV Funding LLC and in taking appropriate actions to stop these communications immediately. 

I appreciate your prompt attention to this complaint and your efforts in resolving this issue. Please keep me informed of any actions taken and the outcomes of the investigation with LVNV Funding LLC. 

Thank you for your assistance in protecting consumer rights and enforcing fair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX or/and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
My account was closed and I never received the remaining balance on that account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/2024, I submitted a dispute to XXXX regarding this account. XXXX performed a review on this account as well as the Consumer Law and contacted PRA and this account was IMMEDIATELY deleted within the exact same day in which they received my dispute ( attached ). This is in reference to Portfolio Recovery Associates, account # XXXX Applicable Consumer Law : " Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. The company also has no permission to report anything using my info., pursuant to 15 USC 1681 4. '' XXXX and XXXX are required to be XXXX  % accurate and XXXX  % verifiable. Therefore they are mandated, just as XXXX, to delete this account from my consumer profile without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX or/and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 XXXX 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 if 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ask chase and XXXX XXXX to cancel a fraudulent transaction that I ensured is a scam, its the only way I can work with to get my money back. I had realized this in XXXX hours I dont see the reason why it doesnt allow me to cancel my own transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TX

Complaint narrative:
I just looked over a copy of my credit report and see that the XXXX CREDIT BUREAUS don't care that Ive been a victim of identity theft. I found a lot of accounts and inquiries on my credit report that were not open by me. According to Equal Credit Opportunity Act, the XXXX CREDIT AGENCIES harmed me for many years, barring me because of my ethnicity as an XXXX American born in our beloved U.S. The injustice hurts me to make a life for me, my daughter and fiancee credit, car, and a home, the American Dream. Please remove the fraudulent accounts and inquiries from my credit report as fast as possible. According to FCRA Section 605B it is illegal to report information on my credit report without my permission, please remove these accounts and inquires from my credit report NOW. AND 15 USC 1681b. ( 2 ) PERMISSIBLE PURPOSE for ANY negative item including Child Support that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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:
I just looked over a copy of my credit report and see that the XXXX CREDIT BUREAUS don't care that Ive been a victim of identity theft. I found a lot of accounts and inquiries on my credit report that were not open by me. According to Equal Credit Opportunity Act, EXPERIAN ( XXXX ) and the other XXXX CREDIT AGENCIES harmed me for many years, barring me because of my ethnicity as an XXXX American born in our beloved U.S. The injustice hurts me to make a life for me, my daughter and fiancee credit, car, and a home, the American Dream. ( EXPERIAN also dropped my XXXX score of XXXX to around the XXXX with numerous of WRONG ADDRESSES, DO NOT USE THEIR APP OR CREATE AN ACCOUNT WITH THEM. ) Please remove the fraudulent accounts and inquiries from my credit report as fast as possible. According to FCRA Section 605B it is illegal to report information on my credit report without my permission, please remove these accounts, inquires, AND WRONG ADDRESSES from my credit report NOW. AND 15 USC 1681b. ( 2 ) PERMISSIBLE PURPOSE for ANY negative item including Child Support that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered 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 explanation