vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have requested all original documentations. That is pertaining to a debt that is being reported on my Experian credit report. I sent a certified letter requesting that XXXX XXXX XXXX XXXX. To send ALL original documentations to a debt that is currently showing on my Experian credit report. I sent the letter on XX/XX/2023. I received a confirmation letter from the postal service company. That it was signed for and delivered on XX/XX/2023. 
It's been over 2 months since It was delivered and signed by the company. I have yet to receive any original documentations from the alleged debt. See Attached Documents of certified letter and signed date.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They are using My social security For purchases that are not me

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They are using My social security For purchases that are not me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is inaccurate information in my consumer report that misrepresents my credit report. This report is incomplete and therefore inaccurate and hurting my ability to get credit.

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 2024-02-20 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: DE

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I received an email from XXXX, loans handled by Affirm, stating a refund in amount of {$53.00} XXXX is due to me for loan ID XXXX. The email is dated XX/XX/12, no refund received to date. I attempted to verify payment sent, unable to do so, appears nothing sent to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: IN

Complaint narrative:
I sold the home connected with this mortgage on XX/XX/XXXX. On XX/XX/XXXX, I contacted Dovenmuehle, which was my loan servicer, and asked when I could expect to receive my escrow refund check. Dovenmuehle responded the next day and said it normally takes 15 buiness days to mail the check. I responded the same day, XX/XX/XXXX, and asked that they mail the check to my new address, as I obviously no longer live at the address assocaited with the home I sold. Dovenmuehle responded on XX/XX/XXXX ( XXXX days after my message ) and said the check for {$2200.00} was sent to my old address on XX/XX/XXXX ( XXXX days after I asked that they mail it to my new address ). The message said I needed to wait 30 days after the check was allegedly mailed to request a new one. On XX/XX/XXXX, I emailed Dovenmuele customer service and asked that they please reissue the check to me. I did not receive any response. I followed up today, 5 days later, after still not hearing from them, and have still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 2024-02-20 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: AL

Complaint narrative:
I affirm, under the penalty of perjury and the laws of the United States, that the preceding statement is accurate to the best of my knowledge. Furthermore, I confirm that I am legally authorized by both federal and state law to submit this dispute. I acknowledge that any deliberate misrepresentations or omissions of material facts are considered federal criminal violations, punishable under 18 U.S.C. 1001, and can also be punishable as perjury under 18 U.S.C. 1621.

The item identified in my credit report is not associated with any transaction I have conducted. I assert that an individual or entity, without my consent, utilized my personal information to procure goods, services, or funds, resulting in the creation of this account. The inclusion of this account by the debt collector violates my rights and has led to personal distress and damage to my reputation.

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Jefferson Capital System To Whom It May Concern, I am writing this complaint to bring to your attention the unlawful practices of Jefferson Capital System, a collection agency that has violated my consumer rights as outlined in the following consumer protection laws : 1. **Failure to Provide Validation Information : ** - Violation : 12 CFR 1006.34 ( b ) ( 5 ) - Description : Jefferson Capital System has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection entry on my consumer report. 

2. **Denial of Opportunity to Dispute Account : ** - Violation : 12 CFR 1006.34 ( c ) ( 4 ) I - Description : I have not been given an opportunity to dispute the account as per 12 CFR 1006.34 ( c ) ( 4 ) I.

3. **False, Misleading, and Deceptive Practices : ** - Violation : [ Specify the relevant consumer protection laws ] - Description : The collection agency has engaged in false, misleading, and deceptive means in their communication and collection efforts. 

4. **Unauthorized Furnishing of Information to Consumer Reporting Agency : ** - Violation : 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) - Description : Jefferson Capital System has furnished information to a consumer reporting agency without providing the required disclosures as mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In light of these violations, I dispute all debts claimed by Jefferson Capital System and hereby revoke any rights they may have to communicate with me. Any further communication from Jefferson Capital System after the filing of this complaint will be considered a violation of 15 USC 1692K FDCPA, and they will be liable for {$1000.00} for each violation.

Furthermore, I am requesting a copy of the purchase agreement between Jefferson Capital System and the original collector.

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request a thorough investigation into the actions of Jefferson Capital System.

Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NY

Complaint narrative:
Submitted several disputes from XXXX About being a victim if identity theft

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to urgently request assistance regarding the deletion of an account from my credit report. The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was settled in full on XX/XX/2024, with the explicit agreement that it would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections is reporting a debt on my credit file that is not mine. They are saying I owe XXXX money but I do not. I had an account with old roommates but once I moved out I cancelled all services with XXXX and paid the final bill. I am unsure as to why this is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-20 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: AL

Complaint narrative:
I affirm, under the penalty of perjury and the laws of the United States, that the preceding statement is accurate to the best of my knowledge. Furthermore, I confirm that I am legally authorized by both federal and state law to submit this dispute. I acknowledge that any deliberate misrepresentations or omissions of material facts are considered federal criminal violations, punishable under 18 U.S.C. 1001, and can also be punishable as perjury under 18 U.S.C. 1621.

The item identified in my credit report is not associated with any transaction I have conducted. I assert that an individual or entity, without my consent, utilized my personal information to procure goods, services, or funds, resulting in the creation of this account. The inclusion of this account by the debt collector violates my rights and has led to personal distress and damage to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am speechless. Errors on my credit report are damaging my credit reputation. XXXX is in violation of the FCRA by reporting these inaccurate records.

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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I have blocked the numbers from this company but they still call almost every day. on the voicemail the person says they are XXXX and that I need to call them back. this is after the company said they would stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: MO

Complaint narrative:
I never signed up for Bright Money. They charged me XXXX, yanked the money immediately out of my account, and are now telling me I have to wait four-five days before I can even REQUEST a refund. I want my refund IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
Both XXXX and XXXX showing there is no 30 days late for XX/XX/2024 credit report but showing 30 days late on my XXXX report for XX/XX/2024. 30 days late was proven error on XXXX and XXXX and it was corrected but UWM is telling me to deal with it for my XXXX report. UWM reports to all 3 credit bureaus on monthly basis since the beginning of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
On XX/XX/XXXX, Ive received correspondence from Mercedes Benz Financial, ( see attachment below ). Notice of Violations I am claiming violations of 15 U.S.Code Subchapter IV 1691 EQUAL CREDIT OPPORTUNITY 1691 ( a ) scope of prohibition and what Im entitled to per my rights via discrimination 1691e ( civil liability ) for taking adverse action with my as said application. 15 U.S.Code Chapter 41 Consumer Credit Protection Penalties to Mercedes & Bureau Of Consumer Protection 1691 ( a ) rules of construction 1691 ( d ) consumer Report Exclusions subject to 1681 s-3 Nondisclosures WiTHOUT MY CONSENT Ive applied in good faith, which I have the full faith and credit by the United States . Please reverse the denial and refusal to provide full extension of credit requested. These are all violations of Public Law 73, Privacy Act of 1974. 

On XX/XX/XXXX CFPB responded to complaint # XXXX expressing to reach to you directly regarding these violations. 

Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
There is inaccurate information in my consumer report that misrepresents my credit report. This report is incomplete and therefore inaccurate and hurting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I contacted the debt collector by mail. But his attorney still harassing me. That if I don't answer they will be taking everything from me without having my real name. They have beng sending me mail under another name similar as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts Below : Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX I dont have the full account number but I wrote the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2024-02-20 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: DE

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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