vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX  This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The debt was already satisfied, however event free many attend the debt having remove from my credit report, proved of payment made havent persuaded the creditors monitoring agencies to remove such negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Several things happened with this loan. 
First, the quote I was given by the loan agent was that my fees for the loan in total would be {$1700.00} a flat fee. I confirmed with the loan agent, XXXX and he guaranteed me that would be the fee. 
During the loan process the fee jumped up to {$3200.00}, which was double. I asked XXXX to correct the amount of fees back to what he quoted me and there was no real response other than this is what the fees are. 

Second issue was that I was profiled along the loan process. More documentation was needed for me to produce. Even on property I no longer owned and did not appear on my credit report for years, I was required to provide proof a sale that occurred several years prior to obtaining this loan. 

I was also asked to provide proof of funds in my XXXX and retirement investments. This was unnecessary and was overstepping their need to obtain more details into my finances. 

The loan was for {$150000.00} and was part of a sale for my XXXX exchange so the loan was not for the entire purchase price and what was required of me went beyond what was necessary because I was profiled, which is a form of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I closed my XXXX account in early 2023 and went to Att. I tried to return a signal device to turn the week I closed my account. I went to XXXX stores XXXX on XXXX XXXX XXXX ny and XXXX XXXX XXXX ny ny. Both stores would not accept the device nor provide an address to return it. I contacted XXXX XXXX that week and XXXX reps stated would mail the return label but never I never received it. Another rep said I wont receive it because the account is already closed. Another rep said was too late to return it. Another rep told me that she saw my previous calls trying to resolve and she will cancel out the amount for the device and I dont owe anything. Months later I see a collection on my account. No one tried to reach me from collections or via mail. 
Identity theft report filed as this was done without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Target RedCard denied a chargeback dispute without contacting the customer for additional details or sharing written notification of their decision upon the completion of their investigation. 

After a return purchase* ( sale value {$240.00} ) got lost in the mail due to the merchant ( Target.com ) providing incorrect postal information, ** the customer contacted Target RedCard ( the card used for the transaction ) to open a dispute. After explaining the situation ( i.e., that the item destination was not input correctly by the merchant and that delivery was at risk due to no fault of the customer ) and providing details over the phone, the customer was not asked anything further during the investigation- nor was the customer allowed to provide any physical proof of the incorrect postal label ( which included details that did not match the physical address of then return facility indicated by Target.com ) to corroborate their claim. 

The dispute claim was closed without notifying the customer and reasoning for claim denial was not shared. Customer suspects that proper due diligence is being ignored in favor of the merchant - and at the risk of customers. 

At minimum, customer would like a chargeback to be issued USD {$240.00} ( the purchase price of the defective item ), and for the dispute to be reopened and properly investigated by Target RedCard as, in this instance, the merchant ( Target.com ) is at fault for any delay or issues with the return shipment. *** Customer would also like notification, in writing, why their claim was originally denied. 

*Note : The reason for the return in the first place was that the item arrived damaged from Target.com . 

**Note : The postal code on the attached label ( XXXX ) does not match the physical zip code for the XXXX XXXX XXXX in XXXX , Indiana . The correct zip code for that physical address in XXXX, Indiana is XXXX. 

***Additional Info : Per Target.coms policies, only Target.com can create return labels forcing customers to rely on their XXXX XXXX staff to input accurate information. Customers have no recourse to recoup losses if incorrect information is input as they can not file Merchant Returns claims directly with carriers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Ordered clothes, never received the items. The clothing company said they were delivered to post office, the post office said they were delivered but I never received them. Live in gated community with lock boxes. In my opinion someone at post office took merchandise or they placed in wrong box. But I never received them. The credit card company said they can't take my word for it. I don't feel I should have to pay for something I did not get. I offered to pay a XXXX of the XXXX Dollars. But I still should not have to pay for something I did not get. I disputed with the Post office and they said it was delivered.the company said it was delivered to post office. the credit card company said I have to pay. I did not get the items. What should I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XX/XX/2023, there was a new credit card application submitted to Chase with my personal information. 
I immediately contacted Chase, verified that it was not me, & they closed/cancelled the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Hello, I am writing to file a formal complaint against Bounce AI, a collection agency, for continuous violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the matter and assert my rights, the agency has persistently ignored my requests and continued its collection attempts. 

Here is a timeline of events : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent a formal debt validation request via email to Bounce AI following their initial contact on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Despite this request, on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, I received another email from Bounce AI, enticing me to discuss repayment options without providing the requested debt validation information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a call from one of their representatives using the phone number XXXX, again without providing the necessary debt validation documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received another call from the same number, demonstrating a blatant disregard for my request for debt validation and a cease and desist order. 

These actions by Bounce AI directly violate my rights under the FDCPA, which clearly stipulates that debt collectors must cease communication upon receiving a written request for debt validation and a cease and desist order.

Enclosed with this complaint are copies of all relevant communications, including my initial debt validation request and records of subsequent contact from Bounce AI.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Bounce AI for their continuous violation of the FDCPA.

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I paid this debt through XXXX XXXX XXXX XXXX XXXX in 2020. I have receipts proving I did. Because I paid this over XXXX years ago, the charge was less because it had accrued interest. Now the charge has been jacked up and I refuse to not only pay this charge again, but I refuse to overpay. I have been in contact with the former CEO/founder of XXXX. The company no longer exists and has closed, so I am unsure who is even following up on this debt ( that again, was paid ). The CEO didn't know either. 

I have tried to send Ability proof of payment, but every time I do, the emails bounce back as I am only provided with bogus email addresses. XXXX time I spoke with them on the phone and they yelled at me and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TN

Complaint narrative:
TransUnion File Id # XXXX Will someone at TransUnion PLEASE CORRECT MY CREDIT REPORT? I have repeatedly brought this matter to TransUnion, but they keep stating that the information reported is correct, but it is clearly not. I previously disputed this issue on XX/XX/XXXX and XX/XX/XXXX, and it was incorrectly addressed. If my credit report is not corrected, I will file a suit against TransUnion and XXXX XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ). 
TransUnion and XXXX XXXX XXXX XXXX reporting that I have a balance of {$17000.00} for a XXXX XXXX. First of all, I have never taken out a student loan with XXXX XXXX XXXX Secondly, XXXX XXXX most likely does not provide student loans as they are strictly a mortgage company. Thirdly, I once had a mortgage with XXXX XXXX ; XXXX, the mortgage was originally sold to XXXX and, most recently, to XXXX XXXX. Because the mortgage was sold, the tradeline for XXXX XXXX XXXX XXXX a XXXX balance and is reported correctly as a XXXX balance with XXXX and XXXX. TransUnion refuses to report the balance of the DovenMuehle Mortgage/Homeside correctly and instead is reporting the same tradeline information for my Dept Of EDXXXX for the XXXX  Mortgage/Homeside tradeline. This means TransUnion has for several months inaccurately reported that I owe {$17000.00} more than I actually owe, and as a result, my TransUnion credit score is approximately XXXX points lower than XXXX and XXXX. This impacts how creditors evaluate my debt and has been detrimental and resulted in denied credit applications. This is my final attempt to have this corrected outside of court. If my credit report is not corrected, I will immediately file a suit against TransUnion and XXXX XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ), and will seek financial remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXXXXXX {$960.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXXXXXX XXXX {$710.00} XXXX XXXX XXXXXXXX {$8800.00} XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXXXXXX {$710.00} XXXXXXXX XXXX XXXX {$8800.00} XXXX XXXXXXXX {$2000.00} XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$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 explanation
Consumer complaint received 2023-12-13 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation