vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
AARGON COLLECTION AGENCY accounts # : XXXX, and # XXXX has violated my rights Under the FCRA and the FDCA. Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE! They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; XXXX XXXX has contacted me multiple times without consent and sent me letters which VIOLATES 15 U.S.C 1692b section 3 that states A debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt. Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. After breaking all of these laws and violating my rights I demand justice and for the accounts above to be deleted 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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
A year ago a Jefferson Capital Systems , LLC contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company XXXX, XXXX contacted me about the same debt owed. The original company Jefferson Capital lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by XXXX XXXX is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation XXXX and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the credit union I will seek legal actions and sue for damages, unfair practices, harrassment, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 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: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-12-16 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: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Express and Comenity Bank has to be one of the shadiest companies in existence I used the card once to ensure I was using it I purchased one shirt i paid off said shirt same month which was months ago.

I paid this using certified funds debit card on a recorded line with a live agent they stated they were having system issues and it needed to be applied manually I uploaded proof of payment 4+ times and spoke to countless supervisors all of whom stated they were zeroing out account They charged me interest and {$90.00} in late fees for {$36.00} transaction predatory tactics they waived these like they were doing me a favor they said UM no you were trying to rip me off and its predatory so you waived They have added the same {$90.00} in late fees and even more interest since such time they said they resolved this months ago they slashed my credit citing missed payment which was also to be fixed not only did I not miss a payment you scam artists I paid early and it was a whopping {$36.00} I assure I did not miss and this has been verified over 20 times in the last 6 months I was absolutely appalled when I randomly logged in to see if they restored my credit limit for the holidays I was thinking of using and not only did they not as advised they have yet to XXXX this out as stated in XXXX XXXX XXXX XXXX XXXX They even advised if I filed a grievance I might be subject to account closure what kind of mafia style bank is this I have countless accounts with you never once late you disgust me Seriously? You charged {$210.00} for {$36.00} paid over 5 months ago and repeatedly stated that this zeroed out and no payment due you have already advised countless times no payment due this is your absolute error and system issues

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: WV

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 XXXXXXXX XXXX XXXXXXXX : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I opened a 12 month CD with BMO Harris Bank on XX/XX/XXXX. The next day I saw the {$1000.00} leave my XXXX XXXX  account. I called BMO to request the following : 1. Verify how long it takes an ACH transfer to post. Three different reps gave different answers with the longest time being 30 days. 
2. I asked how long the grace period was to add additional funds. The first rep didn't know and one other rep said 30 days. If it takes 30 days to ensure my original transfer safely posted to my acct, why would I send additional funds before confirming this? 
3. I asked to add my son as a beneficiary. The first rep said I was out of footprint. The manager I spoke with last told me they needed to send a form that I had to notarize and send back. But I decided I didn't want to proceed further with the acct after the experience I had with the bank. I was on with the first rep for over a half hour and she was difficult to work with. She dumped me into the sales queue. When the rep picked up, I told him what was going on and he was already gone, disconnected the call. 
4. I called a second time and spent 20 minutes with a rep who seemed to have difficulty connecting me to a manager when I requested to speak with one.

5. I called a third time and after 15 min, finally got a manager on the line. He had trouble answering questions and kept calling over to sales. Then when he came back he said he couldn't authenticate me and I would need to send in a notarized letter and copy of my license. The issue here was the account had not funded yet ( thus, the original call ) and I couldn't verify a transfer posting. 
Before I knew how poorly this would go, I initiated the {$1000.00} ACH transfer on XX/XX/XXXX. I want this transaction closed and funds issued back 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 explanation
Consumer complaint received 2022-12-16 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: Applied Data Finance, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Personify Financial is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by Personify Financial that rebuts my position. 
While the burden of proof lies with Personify Financial, I am willing to pay any amount owed plus 75 % interest upon Personify Financial presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

I have included letter to the court and letter from the court in this package.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I pulled my credit report and this company has me in collection. I never signed an agreement with XXXX  stating they can share my personal information. I contacted XXXX and they have no reason that I should be in collections with this collection company. I currently have XXXX XXXX. This company has made false collection action and has affected my credit negativity CCS COLLECTIONS Last reported XX/XX/XXXX {$220.00} Open balance XXXX XXXX Original creditor Opened Account status Type Responsibility XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open I never had XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: LA

Complaint narrative:
XX/XX/2022 XXXX  Acccount XXXX Your company is in clear violation of the law. Under 15 USC 168b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) and consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions -- Except as provided in paragraph 3, the term consumer credit report include -- ( A ) Subject to section 1681s-3 of this title any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681 ( 2 ) ( a ) ( i )

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover keeps sending me " pre-approved '' offers, falsely making me believe that the application is just a formality. When I submit the application, they decline it and in the process they damage my credit score. Similar to the " dark patterns '' of which XXXX XXXX was found guilty. 
And then on top of that, they KEEP sending me these offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: DE

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I reported fraudulent inquiries that where not authorized by me to be removed permanently from Equifax and they refused to do so XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent or authorized nor thing I gain anything from these accounts. These accounts are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-16 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: DE

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 explanation