vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both XXXX and XXXX have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: MI

Complaint narrative:
Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both Experian and XXXX have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.

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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I paid {$99.00} to join a monthly XXXX membership with XXXX XXXX. We were supposed to have at least 2 monthly calls with her to help start a XXXX XXXX XXXX. She at the time was touring and did not fulfill her end so people started to dispute their charges and get refunds. This caused her XXXX  account to be closed so on XXXX she posted in the group, that the group would be closed and she initiated refunds for everyone for XXXX payments, and per XXXX, the refunds would hit our accounts on XX/XX/XXXX. Once XX/XX/XXXX came and went I disputed the charge via cash app and provided the screenshot of what she posted in the group regarding the refunds we were to get. On XX/XX/XXXX it was denied by Cash App, stating they found no error. On XX/XX/XXXX I submitted a complaint with CFPB in regards to this transaction and on XX/XX/XXXX cashapp responded again saying it was denied. Cashapp is not doing a thorough investigation as the merchant clearly stated we should be getting a refund for the {$99.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 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 a payment on a credit card account under an open end consumer credit plan as late for and 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 2024-04-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 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 a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TN

Complaint narrative:
accordance with the fair credit Reporting act XXXX XXXX  XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 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 a payment on a credit card account under an open end consumer credit plan as late for and 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 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX2021 ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with TransUnion that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.

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 2024-04-28 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: GA

Complaint narrative:
In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX2021 ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with XXXX that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
It is a late payment being reporting on my credit report from XXXX Account # XXXX I have never been late please update my payment history to paid on time immediately. I'm more them willing and ready to go to arbitration over this it will cost XXXX thousands of dollars in fees. 

Again please update my payment history to paid on time.

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 2024-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Jefferson Capital for a company that is NO LONGER in existence XXXX. Jefferson Capital placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Jefferson Capital is also reporting this as a new account which is causing damage to my credit report and I did not sign a contract with this company. This must be removed immediately. They are reporting this as a new account and I have had the same cellphone provider for over 15 years with a different company. This is damaging my credit report because they are reporting a monthly debt not owed to this company that cant even been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
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 XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX ( XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( {$7500.00} ) XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX. Has violated my rights.

-15 USC 1681 Section 602 A. States I have a 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 1681c. A. 5.SECTION States no consumer reporting agency may 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 then report by more than seven years.

-15 USC 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 2024-04-28 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

-15 USC 1681 Section 602 A. States I have a 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 1681c. A. 5.SECTION States no consumer reporting agency may 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 then report by more than seven years.

-15 USC 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 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
accordance with the fair credit Reporting act XXXX Bank XXXX XXXX Bank has violated my rights 15 USC 1681 Section 602 States I have the right to privacy

15 USC 1681 Section 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 a payment on a credit card account under an open end consumer credit plan as late for and 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 2024-04-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
accordance with the fair credit Reporting act XXXX Bank XXXX XXXX Bank has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 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 a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is to follow up on Complaint ID XXXX with XXXX and XXXX a new complaint with JPM Chase. 

On XX/XX/year>, I discovered that, check no. XXXX in the amount of {$2000.00} that I had issued from my XXXX account to XXXX XXXX XXXX XXXX had erroneously cleared my account on XX/XX/year> with a forged endorsement on the back of the check. I immediately reported this fraudulent activity to the XXXX and filed a police report with XXXX XXXX. Due to XXXX 's lack of cooperation in resolving this fraud case and their unprofessionalism in handling this situation, I went to Chase bank at XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/year> and requested assistance from the Branch XXXX. She was kind enough to call Chase XXXX Department to follow up on my case filed ; however, she informed me that Chase can't help me as this was a check issued from my XXXX account. 

On XX/XX/year>, I received a call from XXXX XXXX at XXXX. According to the information provided by the Detective, this check was attempted to be negotiated at a Chase ATM in XXXX XXXX, CA ( see attached image provided by BPD ). When the said check was presented at Chase, Chase immediately contacted the account holder ( i.e. XXXX XXXX ) to confirm whether the account holder is in possession of her debit card ; XXXX XXXX informed Chase that her debit card was stolen and her account has been compromised and she did not deposit a check payable to XXXX XXXX XXXX XXXX to her account. No loss was taken by XXXX XXXX as Chase immediately froze her account ; therefore, there was no need to attempt to recover my funds as Chase did not honor the fraud endorsement in the first place. 

To this day, XXXX has failed to provide investigation updates with Chase or a provisional credit in my account claiming " for all endorsement forged check disputes, the bank of first deposit, JP Morgan Chase, is responsible for investigating and resolving the claim. There is a XXXX day time frame that all institutions try to adhere to when investigating these claims. However, it is not a legal and/or guaranteed time frame [ and XXXX has XXXX no control over how quickly they can provide a resolution. '' Due to financial hardships, I have been incurring fees and penalties for delayed payment. 

This check should have never cleared through the Chase ATM as it was evidently payable to XXXX XXXX XXXX XXXX with a Policy number on it and should have never passed through the bank 's review channels. 

This letter serves as my official notice to JPM Chase to provide update as to where my funds are and demanding my {$2000.00} reimbursement.

Company response to consumer: Closed with monetary relief