vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
CEASE AND DESIST DEMAND Re : Cease and Desist Notice : Account Number XXXX I am filing this letter to formally demand that your company cease all communication and activities related to the alleged debt under account number XXXX, as referenced in your correspondence from XX/XX/2023 to the present day. 

I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2023, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned account. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, your company has failed to respond to these inquiries. 

The persistent and unwarranted communication from your company has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe your actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that your company cease all activities related to this debt within fifteen ( 15 ) days from receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against your firm to protect my rights. 

Please govern yourself accordingly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  had sold this dept that was deemed not to be mine to another company. I disputed and it was removed immediately but it seems it was sold again for the exact amount that was never owned by me. I have prove of the the dispute that was already resolved and now is showing on my report again. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
XXXX is not only fraudulently charging me for a cellular phone account that I have no contract with them about nor did I receive any phone devices from them. They have passed my personal information to a third party company Jefferson capital violating my privacy. I did not give them consent or permissible purposes to do so. I have no contract bearing my ink signed signature with neither company. Now they are hindering my credit score with this fraudulent information. Jefferson Capital I will file a law suit against for having my personal private information without my consent or permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSTATE CREDIT UNION
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) has been harassing me every day at least twice a day via various different phone numbers to collect a debt that is not legally mine. 

I leased a new vehicle back in XXXX. I sat in the dealership with the salesman as he called the original credit union directly for a payoff amount, it was read off via the automated phone menu, and the salesman sent that exact amount to the original credit union and I signed the title over to said dealership ( XXXX XXXX XXXX in XXXX, KY ). 

Days after I began receiving letters and many many calls regarding a {$65.00} difference in the payout amount that I'm not even legally responsible for as the car title hasn't been in my name since that car was signed over before I left the dealership lot. 

It took maybe a week before XXXX, XXXX began harassing me everyday with various different numbers NUMEROUS times a day. 

I've answered twice on recorded line explaining the debt is not mine legally and they will get nothing from me, if they'd like it paid contact those legally responsible at XXXX XXXX XXXX  in XXXX. But they still keep harassing me with calls and texts every. Day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification.

Specifically there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/ Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/2015 Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c

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 2024-02-14 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: KY

Complaint narrative:
Experian is reporting my Personal Information inaccurately, and I demand it be corrected immediately. Delete these Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is not 100 percent accurate and must be deleted. 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 person knows or has reasonable cause to believe that the information is inaccurate. This is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) and Experian does not have my consent to share my personal information with anyone or any corporation. This is a violation of my right to privacy, 15 U.S. Code 1681b. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Says that a person shall not furnish any information relating to a consumer to any CRA if 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per XXXX USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a customer of Chase Bank for over 12 years and have both personal and business checking account. Recently, a client stalled my business with issuing a check for services we provided and some recurring business payments for auto loan made the account overdrawn. Within a timeline of a week Chase charged my account XXXX overcharge fees of {$34.00} each making the account even more overdrawn after my client issued the check. 

I have called the Customer Service and they have waived only XXXX of the XXXX overcharge fees. I am at a loss of words for such an excessive overcharging making my business suffering additional financial setback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I bought a car from Chrysler capital in XX/XX/XXXX and it was repossessed in XX/XX/XXXX. They sent me a ledger of payments and the contract and both have been altered to state my last payment was in XXXX which is 4 years later On the contract dated with XXXX XXXX states I made a initial payment XXXX. The ledger states that there was repossession fee in XX/XX/XXXX and my official last payment was made XX/XX/XXXX by XXXX card. All these other payments being reported are formulated by Chrysler fraudulently .Inconclusive payments are being recorded but none are being removed from the principal balance which means those payments are falsely being reported to keep my account in a open status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation

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 2024-02-14 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: NY

Complaint narrative:
I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

XXXX : XXXX XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX Equifax : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX XXXX : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the XXXX reports. I am aware all reporting has to correct and accurate at all times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: NJ

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Employers : XXXX XXXX XXXX, NJ, Listed below are the Accounts that are being challenged XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Payment {$630.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX Late Payment {$1400.00} XXXX XXXX XXXX XXXX Late Payment {$1100.00} XXXX XXXX XXXX XXXX Late Payment {$20.00} XXXXA XXXX Late Payment {$120.00} XXXX XXXX XXXXXXXX Late Payment {$520.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX XXXXXXXX Late Payment {$95.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$2000.00} XXXX XXXXXXXX Collection {$460.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$460.00} XXXX XXXX Original Creditor : XXXX XXXX NJ XXXX Collection {$1500.00} XXXX XXXX XXXX Charge-off {$1100.00} XXXX XXXXXXXX Charge-off {$2400.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief