vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Collections account for {$450.00} reported to credit bureaus on or around XX/XX/2023 by Jefferson Capital Systems LL C I was never contacted by phone, writing or electronically in order to give me my legal right to request a validation letter. 
On or around same time I called to Jefferson Capital. 
Who could not provide me with any relavant information. This included no account number dates or any information of attempted contact to allow my a resonpe to the allefged debt. Instead i was provided with a phone number by a recorded message to call to a payment center. Called that number spoke to a rep who only had an amount due of {$450.00} and wanted to know how i would like to pay. I told them i was unaware of any account. They asked for my email. They told me the acc was associated with another email. They agreed to notify Jefferson Cap of this. I also requested a debt validation letter. Never recieved a response. I disputed this through XXXX XXXX to XXXX 3 times. No answers were given, other than to continue to alledge this was a valid debt from XX/XX/2023. The alleged creditor was XXXX XXXX. I called XXXX affirm and was told they had no record of an account from me at any time or around XX/XX/2033. I Jefferson Capital collection has failed to provide any proof, any relavant information, and they have relied on improper methods. Unable to provide me with any requested information i am legally entitlted to receive they remain unfairly stubborn and in intentional and complete disregard of my rights and in intentional violation of the laws governing credit reporting they refuse to remove this from my credit file causing me irreparable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports.

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was closed all of a sudden because they saw I added a new card and transferred money into my account. I always transfer money into this account so I can pay rent and it is always the same amount around {$300.00} dollars. They closed my account without any warning which caused my rent payment to not go through and I almost got kicked out of my apartment. When I asked them why they said they needed documentation that the deposits were intended for me which I gave them and they said they would get back to me. Weeks later every time I ask them for an update they tell me to send the documentation over again and nothing has been done. There is also no number to contact the review team since they work only though email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
XXXX shows on XX/XX/2023 united auto credit co, accessed my credit report info illegally and without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2023 I submitted a dispute with Experian on account through there app which is my right as a consumer I get a reply in three days saying account is not on credit report I have a screenshot of the message that I will attach to this complaint but report has the account closed but negative it is visible

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
I have been a PayPal user for many years and recently attempted to make a purchase online using PayPal. PayPal Credit was used instead of my credit card linked to the account to make the purchase. I noticed that it had defaulted to PayPal Credit instead of my credit card just as I clicked the complete purchase button.

I have never made a PayPal Credit purchase and have made recent purchases using my linked credit card. My preferred payment method is my PayPal balance, of which there is about {$6.00} that was not used toward this purchase. It appears that when it did not use my balance, it defaulted to PayPal Credit without my knowledge and I can not find a way to change this on the PayPal website.

PayPal advised that they could not resolve this without disputing the charge with the merchant, who I do not wish to harm my relationship with.

I do remember attempting to open a PayPal Credit account in the past but also remember being denied at that time. I do not remember ever being approved for this account, so I had no reason to believe that it had been opened when it was denied. There has never been a purchase on my PayPal Credit account until now. It seems to me that this is very similar to challenges PayPal has created in the past ( see 2015 CFPB action against PayPal ) by enrolling me in a PayPal Credit account without my knowledge and defaulting to using it when making a purchase instead of my preferred payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC
State: TX

Complaint narrative:
Carvana without my knowledge or consent falsely accessed my XXXX credit report info on XX/XX/23 and this is fraud. 
I never had any contact or did anything to inquire or apply for anything with carvana or car loan or purchase. this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on my credit inquiries I see in the last weeks some fraudulent inquiries i am guessing may be linked to fraud effort to obtain a car purchase or car loan or finance, from companies such as ( I am not trying to get any such matters and never contacted any of these companies ever ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe more. 
someone is fraudulent and stealing my identity and I need this stopped and investigated. 

I put fraud alerts and credit freezes on all three credit reports and their fraud division needs to review this also. no one should access my info! its all 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
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
signed up for loan with title max XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with XXXX. for XXXX XXXX of 2022 i have to date paid around XXXX and the balance hasnt budged. called to speak to XXXX and was told she no longer works there nor does the manager. When i signed up XXXX told me if i made the monthly payment it would pay off the loan. None of this has occurred. now since she doesn't work there the new general manager has no longer taken accountability for this situation. I have been frauded by this company. No XXXX  spoke english but her explanations where not clear and she just kept saying yes to the questions when i asked her about the payments. 
website is supposed to have my documents but they are not there. and the website was down for a month and had been hacked and we were told our data was breached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Referencing : 15 USC 1681a2, I did not give written permission to have Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  furnished on my credit report. This account was resolved with an Identity report and was deleted by the 3rd party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I need for this negative account to be removed and deleted from my consumer report from all three credit bureaus such as XXXX, TransUnion, and XXXX. This account is affecting me to get a home.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is 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 non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is 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 non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

Payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2023

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting acct XXXX XXXX has violated my rights. 

15 U.S.C 1681SECTION 602 A States that 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 an account without my permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is 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 non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is 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