vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against CKS Prime Investments , LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CKS Prime Investments , LLC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** CKS Prime Investments , LLC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that CKS Prime Investments , LLC ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** CKS Prime Investments , LLC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by CKS Prime Investments , LLC XXXX and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between CKS Prime Investments , LLC , and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of CKS Prime Investments , LLC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, 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 explanation
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
According to XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
According to XXXX XXXX XXXX XXXX Experian, XXXX and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete 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 explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
There is information thats on my consumer Report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not informations related to any transaction by me as the consumer.

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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
SECURITY CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Repeatedly contacts my elderly mother to collect an alleged debt from a College I have not attended since 2012. Has published/ reported the debt to my credit report. The alleged debt does not match any number from any invoice or communication I had with the college. 

This firm is attempting to collect an alleged debt that is older than 10 years. 
This firm misrepresents the total of the disputed charge. 
This firm repeatedly harasses family members ( who do not reside with me, share phone plan, or live in the same state ) to collect their alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

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. JEFFERSON CAPITAL SYSTEMS, has violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) 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 ; This was already resolved from XXXX and deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days.

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.

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 2024-02-27 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: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/XXXX my payments were on automatic draft for as long as Ive had this loan in XXXX. As of XXXX it was taken off auto pay from bank which caused a delay in payment less than 30 days. They reported to credit bureaus that this was late for 30days which is incorrect payment was made immediately XX/XX/XXXX when I was made aware as payment is due by XX/XX/XXXX each month. I want the late payment removed

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got scammed out of {$2400.00}. I filed a fraud report online on the government website. Basically someone reached out to me saying they would be able to help me with a loan with a 50 % discount offer. I.e., they said if I needed to pay a bill, they would pay for it and I would send them half. I agreed to do this with a {$5000.00} bill payment. They sent this amount to my credit card account. After a few days, once the payment hadn't bounced, I sent them the money from my Chase bank account. However, the payment they sent bounced a few days after that. They never sent me my money back. 
When I spoke to Chase, they made me come into the store in order to simply speak with someone on the phone who wasn't able to do anything about it anyway. They said they could not help me. 
However, since it was a transfer initiated in the bank, I should be able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Auto lease was purchased by BMO from Bank of the West. As I attempted to make my normal monthly payments, BMO was unable to locate our ( co owner is XXXX XXXX ) account. After I tried through the automated system which was our normal monthly practice, I was unsuccessful as the system couldnt locate the account. I had called customer service. They couldnt locate our account and said they would look into this and have someone get back to me, even asking if Im sure the account is with BMO. This was in XXXX. My last payment to Bank of the West was XXXX. After a couple weeks at no return call from BMO, I reached out again. I got the same response from customer service and again, waiting for someone to call me back. Another couple weeks go by and now we need to escalate this because we dont want any dings on our credit. This time I called several different numbers with BMO and asked for higher ups to help get us some answers and was referred to the collections department who was able to locate our account but why was it in Collections? After speaking a few times with someone the collections department we finally got a PO to mail an actual check to, since BMO is not set up to service lease accounts and we couldnt make our payments online or over the phone. So we started sending checks but continued to ask that the situation with our account get fixed as we had no way to track our account or even follow up to verify our payments were being credited, properly. After many unanswered attempts to contact the only person in the company that seemed to be able to find our account ( the COLLECTIONS department ), I was frustrated that our calls and emails were not being answered any more and no way to track our payments and our credit scores have both plummeted. I am running out of room to continue this but the summary is. Our payments were not credited. Our account has been charged off and sent to recovery. Credit scores lost over XXXX points. Still not resolved.

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 2024-02-27 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: PA

Complaint narrative:
Im XXXX XXXX, Implied surety. I have called and spoke with XXXX XXXX & they have finalized their investigation by you were not responsible for paying the amount under review {$1200.00}. I have received a letter 30 days ago tomorrow & I have reached out to Experian to have them remove it & theyre failing to remove it from my profile after XXXX confirmed I was not liable for the balance & they closed the account which is reporting negatively now & inaccurately false. I have a letter from XXXX XXXX to confirm what I am stating.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reviewed my consumer file via experian on XX/XX/2024 and noticed several personal identifiers that do not belong to me. This prompted me to file an FTC report due to an incorrect social security number, several names, an employer I've never worked at and a phone number that didn't belong to me. It is alarming that my file has been merged with someone else 's which effects my ability to accurately identify who i am. the incorrect information is as follows : 1. Names : a. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Non-mailable addresses associated with my profile : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. Employers listed : XXXX XXXX XXXX ( I have never worked here ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

4. Phone number associated : ( XXXX ) XXXX XXXX. Social Security Number : XXXX ( not assigned to me ) My correct information is the following : XXXX XXXX XXXX Social Security number : ( document enclosed ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Phone number XXXX XXXX Considering that there is a social security number that does not belong to me on my consumer file. I can only assume that my file has been merged with someone elses. I request that Experian promptly investigate these inaccuracies and remove them from my consumer file. It is imperative to uphold the accuracy and fairness of credit reporting, as highlighted in 15 U.S. Code 1681, which emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy. 

Furthermore, it is essential that consumer reporting agencies adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information, as mandated by this subchapter.

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : CHILDSUPPORT - 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 2024-02-27 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: OH

Complaint narrative:
I sent inaccurate information to Equifax that they improperly verified an account, with the account status stating it was open. Due to the law because they did not properly verify this account. They did not delete it either and that is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MT

Complaint narrative:
I am a victim of fraud, on XX/XX/XXXX a transfer of funds from my chime banking account of {$1500.00}. On XX/XX/XXXX I received this text from chime CHIME Debit Card Activity, Transaction Date : XX/XX/XXXX Amount : {$130.00} XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Reply ( Y ) es or ( N ) o. I responded N ( o ) I immediately received a phone call as I was talking with someone who was supposed to be an employee of chime the person who I was speaking with was a chime support employee, who said they would help me resolve a transaction on my account, and that they wanted to shut down my account for 2 days. I explained that Im expecting my direct deposit this week. On XX/XX/XXXX at XXXX I received another call directly following my direct deposit. while speaking with the alleged representative they suspended my account for 60 days. ( CHIME BANK : A 60/Day suspension had been place on your account for your security and protection while banking with CHIME. We will issue out a notarize mail attached with a check for any funds available on the account after the completion of the 60 day review. 
To unlock account call XXXX ). After 2 days of trying to get back into my account I was able too and I noticed the alleged employee drained my account. The bogus transactions telling me to respond yes then no. And no or no then yes then no to see if my account and their system was working properly. Transactions sent to XXXX XXXX from my account numerous transactions between {$2.00} an {$9.00} + dollars for a total of {$1500.00} I called chime to dispute the charges, requested to talk to a supervisor in their fraud department. I began to explain to them what happened the lady told me I was an accomplice to the scam and then hung up on me. Please help! I have included a few screenshots of the charges to my account, I have many more

Company response to consumer: Closed with explanation