vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to report an issue I encountered with JEFFERSON CAPITAL SYSTEMS. I recently called to request an itemized statement of the full history of my account. A copy of any agreements or contracts pertaining to the debt. However, my request was denied, and I was informed that this information would not be provided. 

I am concerned about this refusal, as I believe I am entitled to access the full details of my account history. I would appreciate your assistance in resolving this matter and ensuring that my request is honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request the reopening of my complaint against XXXX ( Account Number XXXX ). I disagree with the account listed which still appears to be on my credit report. I would like this item to be reinvestigated immediately. The inaccuracies are highly injurious to my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D.

I have not received any information or documentation confirming that the following required steps were taken during the repossession process. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

I did not receive any communication notifying me of the impending repossession of my vehicle. 

There was no notification stating that my vehicle had been repossessed, where it was being held, or the outstanding amount owed.

Post-Auction Notice I have not been informed of the auction results, including : - The sale proceeds and how they were applied. 
- The existence of any deficiency balance. 
- The application of sale proceeds towards the debt. 
- Compliance with relevant laws and regulations. 

I request that the CFPB reinvestigate whether these letters were sent and if all the necessary information, including date and time stamps, was provided to me as required by law. If these steps were not followed or if the required information was not provided, I respectfully request the removal of any related entries from my credit report. Please send me a updated copy of my credit report after your reinvestigation. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing because I have a credit card that has been reported to XXXX XXXX XXXX but not Equifax, affecting my credit because I am not getting the credit history I should have. Please have a look into this and please update my credit report. 15 U.S.C. 1681s-2 states that it requires furnishers of information to provide accurate information to credit bureaus and to update or correct information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that XXXX XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: GA

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute for Equifax on XXXX on XX/XX/XXXX regarding inaccurate and missing information on my credit account. On XX/XX/XXXX Equifax came back and stated that the prior paying history was updated and basically everything else was " verified as accurate. '' I PROVIDED EQUIFAX A PRIOR CREDIT FILE FROM XX/XX/XXXX WHICH INDICATED THE BALANCE HISTORY AND PAYMENT HISTORY THAT WAS MISSING AND NEEDED TO BE ADDED BACK INTO THE FILE IF EQUIFAX WAS NOT GOING TO DELETE. A REPELICA!!! AND EQUIFAX STILL DID NOT COMPLY WITH THE FCRA GUIDELINES!!! 

I THEN ASKED FOR ALL DOCUMENTS THAT WHERE USED IN THIS REINVESTIGATION WHICH BY STATUE EQUIFAX ONLY HAS 15 DAYS TO SENT THIS OUT. I HAVE NEVER RECEIVED INFORMATION REGARDING THIS REINVESTIGATION.

IT IS CLEAR THAT THERE WAS NO REINVESTIGATION XXXX XXXX.EQUIFAX REPORTED WHAT THE CREDIT AGENCY VERBALLY COMMUNICATED TO THEM. NO DOCUMENTS, NO COLLABERATION, NO PROCEDURES SET IN PLACE TO PREVENT THE CREDIT AGENCY FROM REPORTING INCORRECT INFORMATION. IT IS LOGIALLY INCONSISTANT TO NOT REALIZE THIS CREDIT FILE WAS MISSING OVER 90 % OF ITS INFORMATION, THIS WAS DUE TO THE FRADULAENT XXXX ACCOUNT XXXX 

DUE TO EQUIFAXS WILLFUL NONCOMPLIANCE WITH GUIDELINES I, THE CONSUMER HAVE TO WAIT EVEN LONGER AND HOPE EQUIFAX WILL FOLLOW PROCEDURE AS THEY SHOULD SO I CAN START TO FINANCIALLY REPAIR MY LIFE BACK. THIS CAUSED HARM TO THE CONSUMER, ME!!! 

THIS CLEARLY ESTABLISHES THAT EQUIFAX DOES NOT HAVE KNOWLEDGEABLE AND A WELL TRAINED STAFF AS REQUIRED BY 1022 ( m ). FEDERAL VIOLATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Dear CREDIT COLL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that CREDIT COLL has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc.
State: WV

Complaint narrative:
Disputed Transaction # XXXX : XX/XX/year> XXXX {$31.00} Disputed Transaction # XXXX : XX/XX/year> XXXX {$120.00} Disputed Transaction # XXXX : XX/XX/year>XXXX XXXX XXXX {$71.00} Wisely by ADP denied the disputes for all XXXX transactions without evidence or approval from me. I was told by the dispute department it was mandatory I signed the paperwork for the investigation because they would not/could not start it without my signature. But when I called a few days later, I was told the disputes were denied, and I never signed the paperwork. I have sent multiple letters to the company, but they have ignored them, I have not received any type of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove these inquires The following items do not belong to me and is a result of fraud that I did not authorize : Block and remove inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove these inquires The following items do not belong to me and is a result of fraud that I did not authorize : Block and remove inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-02 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: 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CO

Complaint narrative:
. 


Summit A R On XX/XX/year>, I rented a car through XXXX rentals, I was a platinum member renting cars by the week and month. 

Well I returned the car and I got an email a week later stating they had to replace the tire because the tire was flat. How could I of driven there with a flat tire? And the guy who checked me in said everything was good to go. Well in XXXX they email me saying the damage which was {$200.00} for the tire. I called the lady who checked me out and told me not to worry about it. On XX/XX/year>, I became incompassitated for a few years with no access or ability to do anything. I'm finally cognitive able and free to roam around and here I look at my credit score with this. 

I tried contacting XXXX and they told me that there's nothing they could do because they tried contacting me. What a scam, I spent over {$10000.00} in the year 2020 with XXXX as a platinum member and they accuse me of a flat tire. How would the tire get flat anyways? Did I sneak in after hours and deflate it? I don't think so. I have two bachelor 's degrees and a bit more common sense then the next guy. 

SUMMIT A R, told me they wouldn't remove this and to contact XXXX who tell me to contact Summit, it's just a game to them. I have reported everything and everyone on XXXX consumer reviews and on here. 

They didn't care of I was incompassitated nor wondered why my phone was shut off due to this event. I can prove everything as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I went into Chase bank and had my 2 checks cashed. Chase refused to give me a receipt and that made me upset. What made me more upset was being stalked by XXXX  who sold me supplies and also left without receipt. Came back next day and manager told me its impossible and again refused but printed me out numbers of checks and not actual receipts again! I became upset and called police to file a report on Chase refusing to print out receipts and stalker and only when I filed a motion in court case did they finally print me out a copy of my receipt. That is one issue of defamation that cause Chase to prohibit my from services as in receiving my receipt until after I filed a motion in a different case! I am very upset as they kept telling me its impossible and not doable multiple times and only was available after I filed motion in court case that had nothing to do with Chase Bank!

Company response to consumer: Closed with explanation