vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, XXXX  I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. Trans union Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. XXXX, XXXX and not even Trans union responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.

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 2022-07-02 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: GA

Complaint narrative:
All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, 2022, I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. XXXX XXXX Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. XXXX, Experian and not even XXXX XXXX responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.

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 2022-07-02 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: Davis and Goldmark, Inc.
State: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigation 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 Ihave 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

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX  XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # 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

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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For the last 3 weeks, I wanted to apply for a new credit card thus I removed credit freeze on the 3 my credit credit reporting agencies. 

However, I keep getting? on my credit Equifax credit report, please see attached document. When I applied for a credit card 3 weeks ago, my credit application was denied even though I have credit score above 800.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Contacted them and disputed a bankruptcy that doesnt belong to me. XXXX XXXX has no record of this account. Company claims to verify it with no proof

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 2022-07-02 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: CA

Complaint narrative:
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 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 explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My credit report recently had collection attempt for {$1900.00} from PORTFOLIO RECOV ASSOC, first digits of account are XXXX. They claim on their records to have purchased this from XXXX. I have personally contacted XXXX and they have no records of my social security number being linked to this or any other account. I contacted the collection agency for any documentation what so ever and they have not contacted me back. They have never called me or emailed me before randomly appearing on my credit report this month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received by mail an unsolicited debit card from Discover bank. It says it is linked to my account. I do not have a Discover Bank account nor applied for one. I attempted to report the fraud, but their hold time is over 2 hours. I have my credit frozen so I am not sure how anybody was able to open an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2022, Discover was notified via certified mail ( receipt attached ) of settlement in full offer for {$1000.00} for the account balance of {$4000.00}. The settlement agreement was if endorsed check was cashed/deposited ( receipt attached ), that the account would be deleted ( receipt attached ) with no derogatory items listed on the credit report. 

On XX/XX/2022, the endorsed check was deposited ( receipt attached ), and the account was not deleted, nor negative items removed from the credit report. 

On XX/XX/XXXX, the account was only updated to reflect the amount of {$1000.00} being paid toward the balance of {$4000.00} on the credit report. 

Discover has failed to uphold and adhere to the settlement agreement and if not updated as stated in the certified letter, suit will filed for the amount of {$1000.00} plus attorney and court fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am an XXXX  with a XXXX XXXX. I was contacted by a lender regarding drafting a loan agreement and ancillary documents forthe purchase of robotic surgical equipment and the buyer was, allegedly, located in California which is where I am XXXX XXXX The parties were the lender, XXXX XXXX on behalf of XXXX XXXX XXXX XXXXXXXX ( Florida ) ( my " client '' ), theseller/supplier ( XXXX XXXX XXXX XXXX Ohio ) and a loan broker ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York ) thatcoordinated the fi nancing transaction. The lender needed a California XXXX  to draft and coordinate the transaction. This iscommon and I have handled similar types of transactions in the past. This process went on for several week including letters ofintent, purchase orders and appropriate documentation. All names, companies, websites were checked and appeared legitimate. XXXX ( XX/XX/XXXX ), I received a XXXX cashiers check in the amount of {$250000.00} with a remitter of XXXX XXXX - These monies, allegedly, were the initial deposit towards the equipment to be purchased. Chase reviewed the cashier 's check, accpted the depositon Monday ( XX/XX/XXXX ) and made the funds " available '' the following day, Tuesday ( XX/XX/XXXX ). Subsequently, on Wednesday ( XX/XX/XXXX ), I wasforwarded the purchase order from the supplier requesting a wire transfer of 5 % of the total purchase price ( {$180000.00} ). Iproceeded to send the wire, as requested, that morning. The following day ( Thursday XX/XX/XXXX ), I checked the Chase website and the '' cashier 's check '' was returned without explanation. Chase has frozen and intends to close my business and personal accounts within10 days. Needless to say, I contacted my client immediately after learning of this and the phone number was " deactivated '' and allwebsites ( for lender, broker and seller were gone ). I am a victim of fraud and am helpless as Chase has been of no assistance and willnot provide any information or explanation as to how a fraudulent cashier 's check for such a large sum of money could go through their system and be made available to wire. First of all, I need to report this so that the criminals/scammers that perpetrated this fraud can be, hopefully, located and prosecuted. Second of all, how to deal with Chase as they refuse to cooperate in any fashion. I havebeen a customer for nearly 15 years and have a spotless record. Thank you very much for your guidance, advice and assistance with this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
This Account was opened in my name fraudulently has to do with identity theft. I submitted an affidavit and also a police report. The company response was they never received a police report which i do have one in my possession as proof. This account should be removed from my credit report promptly as I a a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent disputes to the credit reporting agency and never got a response, However by law you're required to response within 30 days. Please investigate my disputes

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 2022-07-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent disputes to the credit reporting agency and never got a response, However by law you're required to response within 30 days. Please investigate my disputes

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 2022-07-02 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: GA

Complaint narrative:
My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Transunion XXXX XXXX for engaging in inaccurate credit reporting. I am also aware that consumer reporting agencies MUST report fair and accurate credit reporting. Inaccurate consumer reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Transunion XXXX XXXX are required to undergo reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of such information which were not done. I am aware that my reflected accounts should report 100 % accuracy across the board and that both Transunion XXXX XXXX have a grave responsibility for doing so. Because of this, I am demanding that XXXX XXXX Transunion either remove the account or report this account the same as XXXX. I am aware of the wrongful doings that have transpired and because of this XXXX XXXX Transunion have clearly violated the law.

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 2022-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XXXX of XXXX, I was unemployed because of XXXX. I made an agreement with HSBC to pay {$50.00} per month. I have been paying {$100.00} per month - more than the agreed upon amount and more than the minimum ever since. 

I received a letter stating THE HARDSHIP ON YOUR ACCOUNT THAT BEGAN " XX/XX/XXXX '' HAS EXPIRED. AS A RESULT, YOUR ACCOUNT WILL BE REMOVED FROM THE PROGRAM GOING FORWARD. Firstly : the Hardship began in XXXX not last week. My recent automatic payment was make on XX/XX/XXXX for {$100.00} ( more than the minimum due ). The current amount owed is XXXX. A negative report was sent to my credit report on XX/XX/XXXX : Settlement HSBC BANK It looks like your HSBC BANK account was either settled on XX/XX/XXXX for less than the balance or closed because you haven't used it in a while. 

AND- I received an email : HSBC requests your signature on Authorization for Direct Payment by ACH Debit ( HSBC XXXX ) Due by XX/XX/XXXX Review and sign

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NY

Complaint narrative:
I been trying to pay my bill with comenity and they keep saying theyre trying to solve the problem its been down for past week and they still havent fixed it yet im thinking this site is fraud and using us for its benefits and going to charge us and ruin our scores even though THEY ARE THE PROBLEM

Company response to consumer: Closed with explanation