vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to file complaint against JEFFERSON CAPTIAL SYSTEMS for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against JEFFERSON CAPTIAL SYSTEMS : JEFFERSON CAPTIAL SYSTEMS has failed to supply proof under the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contracts, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, I urge JEFFERSON CAPTIAL SYSTEMS to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that JEFFERSON CAPTIAL SYSTEMS ceases reporting this disputed information to any third parties immediately. JEFFERSON CAPTIAL SYSTEMS has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with JEFFERSON CAPTIAL SYSTEMS. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that JEFFERSON CAPTIAL SYSTEMS cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that JEFFERSON CAPTIAL SYSTEMS have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by JEFFERSON CAPTIAL SYSTEMS. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: AR

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.

The letters are stated with items and issues.

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 repor

t 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 2023-06-26 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: AR

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.

The letters are stated with items and issues.

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 2023-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit card was used without my knowledge and I contacted the company on several occasions and they are now reporting on my credit report as delinquent. opened card on XX/XX/XXXX and fraud took place in or around XXXX of 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 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I was unemployed since XXXX of XXXX, I ran out of savings and was unable to keep up with Timely payments in or around XXXX or XXXX. I communicated with Hyundai Motor Finance several times asking to get a payment deferral. I was told i was denied because I had not made 6 payments, but rest assured once I did make the XXXX payment that the XXXX and XXXX payments would be deferred. So two payments. Now that Im working and finally made the XXXX payment I was past due on they are telling me I can only have one payment deferred which will leave me struggling even though I have been told on several occasions that the payments for XXXX and XXXX would be deferred several times by several different representatives and even a supervisor which actually applied for the 2 month payment deferral for me that was denied because I needed to make one more payment. I am now being told it doesnt matter that I was told 2 months they can only do one month. I feel this is unfair and deceptive against me, a paying customer who was struggling a financial hardship. It seems no one at Hyundai Motor Finance knows or is trained on the actual policy which can and willcause this same difficulty to many more customers. I will list the dates of mentioned phone calls, XXXX two phone calls XX/XX/XXXX XXXX rep told me no only one month, went and asked and I heard the person in the background say yes I could do two months the rep came back to the line and said My apologies maam you can do two months, you just wont be allowed another deferral for 12 months after that XXXX 2 phone calls which I called and discussed situation and they called me back even though I already made contact and did not give permission to call back XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX supervisor submitted two month deferral request

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
Dear CFPB, Madam/ Sir : On or about, XX/XX/2023. I checked my XXXX Credit Report and I saw in my XXXX Credit Report, an Unknown name of a debt collector that I have NO KNOWLEDGE of it at all. Also I never received a letter in writing notification from this debt collector as per Federal Laws dictate. A debt collector MUST write a letter to the consumer and, I have XXXX  days time limit to respond. However this Unknown name of the debt collector and the amount that the debt collector wants me to pay. There is also no account number in my XXXX credit report. Thank you, for your assistance in this important matter. Respectfully yours. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I typically set up a payment weeks before it's due so that I have no problem paying my credit cards. I set this payment to be taken on Thursday, XX/XX/2023 from my checking account for {$220.00}. I'm not sure who's to blame but if I don't get the answers I need or if it's not properly handled, I will do whatever is necessary in my powers to make everyone pay for this. I feel as though someone is deliberately trying to ruin my credit. There was more than enough money to take care of this bill. Capital one even sent an email stating the payment posted. I receive a email on Thursday, XX/XX/XXXX stating he payment was returned. I'm beyond furious, trust me when I tell you this. My payments are being debited fast enough and posting as they should and it's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a checking account at Truist on Friday XX/XX/23 with an opening deposit of {$50.00}. I changed my direct deposit so that it would go to this bank at the end of this month ( XXXX ). I received e-mail confirmation on Friday that my opening deposit was successful and I had successfully set up XXXX on the account. When I tried to access the account this morning, I received a message that the account was locked. I called the number listed on the message and the customer service agent told me I needed to verify my identity by going into a branch, but the closest branch is in XXXX, almost XXXX hours away by public transit! XXXX XXXX XXXX and do n't drive. On top of this, the branch isn't even open on the weekends so I would have to request unpaid time off to fix this bank error. 

If the bank can't verify my identity they shouldn't open the account and they shouldn't take my money, it's just irresponsible to put all of the burden on the customer in these circumstances. I was going to make this my main bank so took a lot of time to switch everything over and now I won't have access to my funds for at least two weeks with the holiday, which is a real financial hardship for my household. 

It would have been one thing if I was told that I may need to come into a branch to verify identity when I was opening the account : in all honesty, I probably would NOT have opened the account then because the nearest branch is XXXX hours away. But it is predatory for the bank to do this after the account has been opened and funded and my payroll switched over so they can keep my money for longer without any explanation.

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 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
Commencing on or around XXXX XXXX, 2023, I fell victim to multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 2023-06-26 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Trans Union Customer Service XXXX XXXX  XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute an item on my credit report. I have requested validation of this debt but have not received it. 
Under federal statute15 U.S. Code 1692g of the Fair Credit Act that requires debt validation. I am entitled to request validation of any debt listed on my credit report within 30 days of such request. I have made this request but have not received any response from Trans Union or XXXX. 
I am requesting that Trans Union and XXXX remove this item from my credit report or face litigation for noncompliance of federal statue.

Thank you for your attention to this matter. 
Sincerely, 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 2023-06-26 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: 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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-26 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: CA

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.

The letters are stated with items and issues.

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 2023-06-26 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: CA

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.

The letters are stated with items and issues.

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 2023-06-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Customer Service po box XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute an item on my credit report. I have requested validation of this debt but have not received it. 
Under federal statute15 U.S. Code 1692g of the Fair Credit Act that requires debt validation. I am entitled to request validation of any debt listed on my credit report within 30 days of such request. I have made this request but have not received any response from XXXX XXXX or Experian. 
I am requesting that XXXX XXXX and Experian remove this item from my credit report or face litigation for noncompliance of federal statue.

Thank you for your attention to this matter. 
Sincerely, 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 2023-06-26 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: FL

Complaint narrative:
On XX/XX/2023 I sent a certified letter to Equifax regarding fraudulent credit inquiries that are on my consumer report. To date, I have yet to receive a response from them, which I'm entitled to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, 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 sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( Experian, XXXX XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored

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 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I had a XXXX on XXXX. I was a medicaid and XXXX  patient. I submitted proper insurance work. XXXX, XXXX, and XXXX a collection agency has my funds help up, insisting I owe for this bill. I have sent them confirmation of payment through my insurance company and they have not released my funds. I receive. Social security XXXX, my grandson receives survivor benefits from social security.. I have sent them confirmation that I have an open case. They insist on looking at my bank records.

Company response to consumer: Untimely response