vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear Jefferson Capital Systems LLC, I hope this communication finds you well. I am writing to address serious concerns regarding potential security fraud associated with my investment with Jefferson Capital Systems LLC and the actions taken by XXXX XXXX XXXX, a third-party debt collector. As an investor, I provided Jefferson Capital Systems LLC with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 16815-2. Jefferson Capital Systems LLC, as the original creditor, is obligated to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. Jefferson Capital Systems LLC, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner.

The discrepancies in my billing statements suggest a potential violation of UCC Article 9 ( 9-609 ) guidelines by Jefferson Capital Systems LLC . Moreover, a critical issue in the billing statements has come to my attention.

A billing error is present, portraying my dividend check inaccurately as an amount I am required to pay.

This misrepresentation is a serious concern and constitutes security fraud, distorting the nature of my financial obligations.

I request a thorough investigation into both the security fraud concerns and the billing statement error.

This investigation should include a comprehensive review of my account, along with a XXXX XXXX, to ensure transparency and validate the financial details associated with my investment. I must also highlight that Jefferson Capital Systems LLC is attempting to collect a debt I never owed. 

My primary objective is to resolve these matters amicably. A comprehensive and timely correction of my credit report, addressing the billing statement error, and halting unwarranted debt collection are crucial steps for the best interest of all parties involved. I kindly request the immediate Deletion of this account in my credit report, aligning with federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provided any proof. I've only received negative disputes results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter resulting in 60+ days at a time. I've been disputing for years and it has became a complete burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TN

Complaint narrative:
Last time account was updated was XXXX when I contacted your company so again my balance have not been updated showing no data on my credit since you were last involved nearly XXXX  months at {$530.00} per month

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 2024-03-07 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act. 

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. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Vanilla Gift card that had {$500.00} has been hacked. I only used it once at XX/XX/2023 for an online transaction. Then I saw the balance being {$0.00} and saw an unfamiliar transaction of the rest of the money spent {$460.00} on XXXX at XX/XX/XXXX. My mom also has this problem because we both have gift cards and both hacked. Both of our cards were hacked at the same day at later times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
My credit karma spend account was frozen for my protection now im trying to get back in my account and ive called four or five times. ive used the live chat service. every person keeps saying the same thing. they have no information but my case was sent to a specialist team and i should respond to the email that they send. only ive received no email and its been three days since this all started. one person said it would happen automatically. and another person said i have to wait for the specialist team to email me. then another person said it would be unfrozen by tomorrow. that was three days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-07 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: OR

Complaint narrative:
My credit bureau scores were negatively affected when Credit Kharma did numerous, unauthorized.and excessive soft and hard pulls to apply for a credit card in my name, boasting a XXXX XXXX chance I'd be approved. I'd originally authorized a number of these applications under the " XXXX XXXX '' guise but eventually realized they were fraudulently advertising. I found, after looking at my credit bureaus, that Credit Kharma had continued running my credit ( @ a rate of twice a month! ) for months on end! I have not been able to get the bureaus to remove more that a few of the inquiries, and can not reach Credit Kharma through email or fax to have them removed. I am still currently struggling to clear my credit. I have moved. Three times in three years and changed my phone # over 10 times due to spamming phone calls. I was victimized a second time as a result of this, as I missed any notifications of the lawsuit against Credit Kharma re their " XXXX XXXX '' credit card ad, and it's outcome of financial payment for victims like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
It is concerning to find an error indicating a late payment on my account, given my consistent adherence to payment deadlines. This inaccuracy is generating unnecessary stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have been making payments to my credit card and now they just lowered my credit limit when I made a big payment. They are purposely hurting me on my credit report and personally when I have been good customer for many years. I want them to give me back my credit limit Ive had for years as Im paying down my balance.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provided any proof. I've only received corresponding letters with negative dispute results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter resulting 60+ days at a tie. I've been disputing for years and now it has became a complete burden to my livelyhood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I took out a personal loan with this company and I didn't know that this was a predatory loan. On {$1000.00} loan I will be paying back XXXX in loan with their interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
It has been a back-and-forth battle with the rude company, who falsified payments charged back my payments. I was making my payments every week on time and when I question why my balance wasnt going down suddenly they wanted to reverse my payments, then charge me. They had their towing company stock my house because I told them that I was going to sue them for wrongful damages Trespassing on my property falsifying documents. They illegally told my car with an involuntary repossession with all of my stuff in the car refused to give me the location to pick up my car or my personal belongings. They kept my tag. My credit cards were in the car. My drivers license was in the car my Social Security card was in the car, when I tried to contact them, they acted like they had no idea what was going on the one lady that I spoke to told me it was none of my XXXX business, and that she refused to speak to me because I had filed several complaints with the XXXX XXXX XXXX about this company They are the worst company ever and I demand an apology and a resolution. Ive got nothing but cursing and belittling, and the worst custom service I have ever ever experienced my life. Dont ever go with this company and if you are recommended to them, find another finance company, they dont care about your business!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
Me and my ex filed for bankruptcy in XXXX then were divorced the bankruptcy was discharged including the mortgage In divorce he got home, I left with nothing, he is now passed away XXXX XXXX and last year before he passed the collection servicing agency reported to all my credit bureaus the mortgage after XXXX years later Is this legal My ex was late on his mortgage I guess due to health reasons, that was unknown to me And it was never on my credit ever when we were married and it shows up after he was late on payments and then passed away Now they are coming after me XXXX years later When he got everything in the divorce and we both filed bankrupt and it was all discharged In XXXX This has ruined my credit and cost me to loose XXXX credit revolving accounts that I had paid off in full and the creditor closed those account because That collections put that late mortgage on my credit when it was dismissed over XXXX years ago

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My information has been breached over 8 times in the last 6 years. I have debt reporting that I have no proof of holding myself liable. I have not obtained these items they were obtained from a unknown person/fraudster. I have disputed countless times and it has not yet been resolved. My disputes results come back verified however I am not provided proof of these verified debts which I know NOW is now a violation of the FCRA. I have been disputing these same accounts for years as they have not yet been verified with any legitimate proof. I have not been provided contracts bearing wet signatures and or proof of my debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My information has been breached over 8 times in the last XXXX  years. I have debt reporting that I have no proof of holding myself liable. I have not obtained these items they were obtained from a unknown person/fraudster. I have disputed countless times and it has not yet been resolved. My disputes results come back verified however I am not provided proof of these verified debts which I know NOW is now a violation of the FCRA. I have been disputing these same accounts for years as they have not yet been verified with any legitimate proof. I have not been provided contracts bearing wet signatures and or proof of my debt owed.

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 2024-03-07 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation