vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: United Revenue Corporation
State: TX

Complaint narrative:
Dear UNITED REVENUE CORP I am writing to address the issue of UNITED REVENUE CORP furnishing information that is tarnishing my creditworthiness. It's imperative for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect UNITED REVENUE CORP to demonstrate the same courtesy. Im going to take the time to educate UNITED REVENUE CORP on consumer laws since UNITED REVENUE CORP is causing me direct harm as well as violating federal laws. According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, UNITED REVENUE CORP is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, which is a consumer reporting agency. XXXX is a m third party due to the simple fact that they a separate entity from me, the consumer, and UNITED REVENUE CORP . Furthermore, since UNITED REVENUE CORP is federally categorized as a credit reporting agency under 15 USC 1681b ( a ) ( 2 ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to UNITED REVENUE CORP to delete its tradeline as I never agreed to this tradeline and also being reported innacurate. Furthermore, now that I have educated UNITED REVENUE CORP on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), UNITED REVENUE CORP has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, UNITED REVENUE CORP has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with UNITED REVENUE CORPs actions that are directly affecting my reputation and creditworthiness. Let me remind UNITED REVENUE CORP that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
It has come to my attention that Jefferson Capital System has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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 reached out to the credit bureaus because I am a victim of identity theft and there are accounts that showed up on my credit report that are not my accounts. I filed an identity theft report and notified the FTC of the fraud and sent that as well as other identifying documentation over to the bureaus and they have not responded and have not remove the fraudulent accounts from my reports. I am receiving unsolicited phone calls and mail regarding accounts that are not mine and they are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For years I have been trying to get my personal information corrected with this Equifax. I have sent serveral requests and notices to Equifax to make changes and corrections to my profile they are furnishing without proper consent or permisble puupose. After years I have took it upon myself to read on my consumer rights under the fair credit resporting act and fair debt collections practice act. I understand where I have been violated on many times and ignored. 

Below is information that's a clear violation of my rights under the FRCA & FDCPA. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX *This account is a charge off, there should be no balance owed. 
*There should be no credit limit on a charge off. 
*Creditors can not attempt to collect a debt if charged off the books with the IRS *This account have been reaged.

( 4 ) FCRA violations found on this account Delete this account for inaccurate credit reporting under the FCRA & FDCPA violations.

XXXX did not provide me with proper disclosure. Therefore this account should have never been furnished. Please provide me with my wet signature on this contract or agreement. Please provide me where I signed to opt-in and the option your company provided me to opt-out full disclosure as stated 12 CFR 1016.7 - form of opt out notice to consumers ; opt out methods I am excersing my right to claim damages for {$1000.00} each violation ( 5 ) mentioned as per 15 U.S code 1692k - Civil Liability 1. 15 U.S CODE 1692g - Validation of debt 2. 15 U.S CODE 1681i - ( 5 ) Removal of Inaccurate Unverified Credit Inforamtion 3. 15 U.S CODE 1692e - False or Misleading representation 4. 15 U.S CODE 1681b - Inaccurate False Reporting 5. 15 U.S CODE 1681b ( a ) ( 2 ) Permissible Purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit report is reporting several wrong personal identifiers in my file, which may jeopardize my identity if its not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things are really harming my life. My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. Also, my current address is XXXX XXXX XXXX XXXXXXXX, MA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXXXXXX XXXX XXXX MA XXXX is not accurate and should be removed immediately. I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or 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 2024-03-17 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: TX

Complaint narrative:
I reached out to the credit bureaus because I am a victim of identity theft and there are accounts that showed up on my credit report that are not my accounts. I filed an identity theft report and notified the FTC of the fraud and sent that as well as other identifying documentation over to the bureaus and they have not responded and have not remove the fraudulent accounts from my reports. I am receiving unsolicited phone calls and mail regarding accounts that are not mine and they are still on my credit reports.

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 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Danco Financial Services, LLC
State: FL

Complaint narrative:
I received a letter in the mail stating garnishment. I bought the car back in XXXX and it was repossessed in XXXX a day before I started a new job and i asked them for more time and they told me it was nothing they could do, and they sold it months after that, they still trying to garnish my wages for XXXX. I asked them how come I have to pay for a car that I no longer have after all of these year, and they couldn't explain it to me. They also took me to court in XXXX and they agreed that I would pay half of that amount and now they want me to pay the whole amount and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied in good faith for credit at Chase Bank and adverse action was taken against me. I am now in a worse situation being my credit was accessed but I was not extended credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I never authorized peacock account or never use this service Huntington bank authorized without my knowledge authorized my payment peacocks llc {$5.00} cents and charges with handle XXXX. This complaint about fraud and 100 % fraud against XXXX  with XXXX and Huntington bank fail to watch scam transactions Both are responsible to this I need refund and strictly laws apply for against XXXX  scam and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 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:
I have reviewed my Consumer Reports and noticed that I have a late payment on anccount that iwas never late for.Consumer Rerting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX? XXXX XXXX... Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
I have reviewed my Consumer Reports and noticed that I have a late payment on anccount that iwas never late for.Consumer Rerting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX? XXXX XXXX... Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You.

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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
It is not possible to reach anyone at BMO.

I'm not sure who authorized the double payment at BMO, I need it back. 

I need it back from XXXX, too, that will be a separate report. 

I copy my XXXX chat : You double charged me ( via XXXX Balance AND BMO bank ), and then run a return scam on my account. The image is below. I will get both payments back, but we're now going through a group of XXXX homeless stalkers who access this system, but can not make refunds. 
XXXX XXXX XXXXXXXX I need XXXX XXXX XXXX XXXX 
You double charged, and then you pretend I returned, and faked a XXXX XXXX  refund, that you also didn't send. 
The image of the return scam : XXXX XXXX XXXXXXXX One transaction : XXXX Transaction amount {$38.00} XXXX On BMO there's no ID. 

And then on BMO.. how did the same charge get there?

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 2024-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
I XXXX and XXXX XXXX have been working with Loan Care about some payments that were said they never received since XXXXSince then loan care has taken the payments out of bank account each month and sometime double payments and that's not including all late fees ranging from {$1000.00} to {$600.00} i have been placed on a contract by Loan care and required to send all payments by money gram each month all payments have been made each month by us. yet Loan care still says we are 3 months behind i have submitted all copy 's of money gram receipts with bank statements showing that loan care received there payments ' have even requested that there resolved department investigate were and why this keeps happening. On XXXX XXXX I received a letter say that they are taking my home and this is why i file this complaint. Loan Care has even said this is going to damage my 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 2024-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC.
State: GA

Complaint narrative:
I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
The Loans For Affirm inc have been paid and I have contacted affirm they have provided me email and documentation for this pay off I request that this be updated on my XXXX XXXX XXXX to reflect the loan is fully paid off and should go into A positive Status

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: TX

Complaint narrative:
Giving the period of time I have already been affected 15 U.S. Code 1666a, 15 U.S. Code 1666b, 15 U.S. Code 1666c are not being meet According to the Consumer Financial Protection Bureau. I simply and humbly ask that Kovo Inc info on My Consumer Report and My Credit Report shows the status as current and stop negatively impacting my credit report with inaccuracies. To whom it may concern ; Please and Thank You in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: KS

Complaint narrative:
I'm unaware of this debit, I never had the opportunity to dispute this debt. I was never given the proper time too adress or assest this debt. If infact you belive you gave me the right notification, please send mw a copy of the certified letter with my Signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024, XXXX PORTFOLIO RECOVERY Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It XXXX Concern, Firstly, upon receiving your correspondence dated [ Date of Correspondence ], I carefully reviewed the information provided. However, it became evident that the documentation failed to sufficiently validate the existence and legitimacy of the alleged debt. Per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I am entitled to request validation of the debt, including proof of its origin and the right of the creditor to collect such debt. The documents provided by Portfolio Recovery did not fulfill these requirements.

Furthermore, it has come to my attention that I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). According to this regulation, consumers are entitled to dispute the validity of a debt within a reasonable timeframe after being notified of it. However, I was unaware of the existence of this debt until receiving your correspondence. Consequently, I was deprived of the opportunity to exercise my rights to dispute the debt within the specified timeframe. 
In addition to the lack of validation and opportunity to dispute the debt, I must address the issue of notification. Your assertion that proper notification was provided raises concerns. I request that you provide evidence of such notification, specifically a certified mail receipt with my signature acknowledging receipt. Without this documentation, I remain skeptical of the claim that I was properly notified of this debt. 
It is imperative to remind Portfolio Recovery of the regulatory obligations and legal consequences associated with debt collection practices. As per recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ), Portfolio Recovery has been ordered to pay substantial penalties for illegal debt collection practices and consumer reporting violations. This underscores the importance of adherence to the law and fair treatment of consumers. 
In conclusion, I demand that Portfolio Recovery cease all collection activities related to the disputed debt until proper validation is provided and I am afforded the opportunity to dispute it in accordance with applicable regulations. Failure to comply with these requests will result in further action, including but not limited to, filing complaints with the appropriate regulatory bodies and seeking legal counsel. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have filed a complaint previously ( last month ) with this organization about my concern that Transunion is consistently lowering my credit score up to XXXX points less than XXXX or XXXX credit reporting agencies. I have ask that you investigate this situation because I am sure that it is also happening with other people. There is no reason for Transunion to lower my score by XXXX points less than the other two. No explanation was given for this problem and CFPB closed the case, without any explanation from the company. 

I would like to hear an explanation. This is damaging to my credit and that of many other people I'm sure. Are they getting paid to do this for the purpose of lowering scores so that institutions can change more interest? This is seriously wrong.

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