vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Formal Dispute and Complaint to the Consumer Financial Protection Bureau ( CFPB ) [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2024 Consumer Financial Protection Bureau Consumer Response XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX [ XX/XX/2024 ] To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of federal regulations, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ), by [ Jefferson Capital System LLC and Transunion ].

The following details outline the violations and discrepancies : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : [ Collection Agency has not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) but yet they place a collection on your consumer report on XX/XX/2024. ] Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : [ You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Collection agency is violating your Consumer right by using false misleadin, misrepresentation and deceptive means on XX/XX/2024 ] Violation of 12 CFR 1006.34 ( d ) : [ Collection authority agency has no authority to furnish any account to a Consumer reporting agencies without providing any and all disclosures requirede by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) date they posted XX/XX/2024. ] Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : [ Collection authority agency has no authority to furnish any account to a Consumer reporting agencies without providing any and all disclosures requirede by law and they are in clear violation. ] I have made previous attempts to resolve these issues directly with [ Jefferson Capital Sysrtem LLC or XXXX ], but these efforts have been unsuccessful. Enclosed with this letter are copies of all relevant documents supporting my claim, including correspondence with [ Jefferson Capital Systems LLC credit reports, and any other pertinent information.

I am requesting that the CFPB conduct a thorough investigation into these matters and take appropriate action to ensure compliance with federal regulations. Additionally, I request that the CFPB provide me with updates on the status of this investigation and any actions taken. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Citi Bank, the lender for my Home Depot credit card, for what I believe to be repeated and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to communicate with them regarding my account 's current status, their practices have continued unabated, causing significant personal distress. 

Account of Events : Citi Bank has made repeated calls to my phone number, often hanging up before I can engage in conversation. Here is a breakdown of their calling pattern : XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 to XX/XX/2024 : XXXX calls each day On XX/XX/2024, I informed a representative that their calling pattern was in violation of the FDCPA, specifically the provisions against causing annoyance, abuse, or harassment through repeated calls. The representative merely apologized and proceeded with the call, ignoring my concerns. 

Impact on Me : These repeated calls have caused me considerable XXXX  and XXXX, significantly impacting my daily life and well-being.

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 2024-02-19 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: MS

Complaint narrative:
I attend here back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this school was recently change name was XXXX at XXXX I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MS

Complaint narrative:
I attend here back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this school was recently change name was XXXX at time I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Bank is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that Chase Bank is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TX

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.

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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MS

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 non-monetary relief
Consumer complaint received 2024-02-19 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: PA

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.

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 non-monetary relief
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these deceptive accounts from my credit report as I never authorized their use. Kindly eliminate this incorrect account.

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 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Several requests for Debt validation were submitted with the last request being on XX/XX/year> via certified mail. To date, there has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: TX

Complaint narrative:
I am writing to formally dispute and request an immediate investigation into several accounts listed on my credit report, which I believe are the result of fraudulent activity. I request that the following information be promptly removed from my credit report as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

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 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 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 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 I declare that I did not authorize or engage in any transactions associated with the aforementioned accounts, addresses, or names. The inclusion of these items on my credit report is damaging my creditworthiness and has caused significant distress. 

I request that you investigate these fraudulent entries promptly and take the necessary actions to remove them from my credit report in accordance with the FCRA. I also request that you provide me with a copy of my updated credit report after the completion of the investigation. 

Furthermore, I would like to draw your attention to the following consumer protection laws, which support my dispute : 1. Fair Credit Reporting Act ( FCRA ) : This federal law stipulates that inaccurate or fraudulent information must be promptly corrected or removed from a consumer 's credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) : Any attempts by collectors to collect on these fraudulent debts violate the FDCPA, and I expect them to cease all collection activities immediately.

3. Identity Theft and Assumption Deterrence Act : This law criminalizes identity theft and requires creditors to investigate and resolve identity theft-related disputes.

I appreciate your prompt attention to this matter and expect a thorough investigation. Please provide written confirmation of the actions taken and the resolution of this dispute.

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 2024-02-19 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: TX

Complaint narrative:
I am writing to formally dispute and request an immediate investigation into several accounts listed on my credit report, which I believe are the result of fraudulent activity. I request that the following information be promptly removed from my credit report as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts 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 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 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 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 I declare that I did not authorize or engage in any transactions associated with the aforementioned accounts, addresses, or names. The inclusion of these items on my credit report is damaging my creditworthiness and has caused significant distress. 

I request that you investigate these fraudulent entries promptly and take the necessary actions to remove them from my credit report in accordance with the FCRA. I also request that you provide me with a copy of my updated credit report after the completion of the investigation.

Furthermore, I would like to draw your attention to the following consumer protection laws, which support my dispute : 1. Fair Credit Reporting Act ( FCRA ) : This federal law stipulates that inaccurate or fraudulent information must be promptly corrected or removed from a consumer 's credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) : Any attempts by collectors to collect on these fraudulent debts violate the FDCPA, and I expect them to cease all collection activities immediately.

3. Identity Theft and Assumption Deterrence Act : This law criminalizes identity theft and requires creditors to investigate and resolve identity theft-related disputes.

I appreciate your prompt attention to this matter and expect a thorough investigation. Please provide written confirmation of the actions taken and the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We bought a fully-assembled, brand-new XXXX XXXX XXXX  from Lowes store # XXXX XXXX XXXX Texas on XX/XX/23 using our Lowes XXXX credit card with account number XXXX under my XXXX  name XXXX XXXX XXXX. 

Almost immediately, within a day, the XXXX XXXX had pieces fall off including the wheels from the stripping of the bolts during assembly. We asked to return it since it was a damaged product and Lowes store people refused to take it back. We contacted the Lowes credit card that is run by Synchrony Bank who stated the local Lowes store had to remove the credit card charge. They could help me.

Lowes refused to take it back and instead wanted XXXX ( the manufacturer ) to repair it, with us paying the delivery charge. After doing so and sending it to a recommended shop by XXXX, the XXXX XXXX  remains unfixed with XXXX and Lowes fighting over whose fault. Its been 2 months of waiting.

We are frustrated with false advertising about the return policy, the poor assembly and the lack of help by the Lowes store personnel. We are angry at the credit card company for refusing to investigate and depending on the local manager to remove the charge. 


We want our money back for the damaged product that was poorly assembled by the store. We run XXXX XXXX  and had to buy a product to move our products. Moreover, we didnt buy a refurbished product which is what we will end up with instead of a new product. We ask for your assistance.

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 monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA continues to report late payments on a charged off account Ive disputed both the late payments post charge off and the date of last activity I believe this account to be XXXX past delinquent and should be removed XXXX states this is responsibility of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IN

Complaint narrative:
I had leased 2 phones with XXXX  in XXXX. In XXXX when I canceled service, I returned the phones. I was able to obtain proof of that then, so the first collection agency dropped it. Now I've got Jefferson capital system reporting the account as a new collection on my XXXX XXXX like its a new account, even I've already proven that it was paid, and not only was it settled, but settled XXXX yrs ago.

Company response to consumer: Closed with explanation