vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System , LLC, a third-party debt collector, for apparent violations of federal regulations. 

Pursuant to 12 CFR 1022.3 ( H ), Identity theft means a fraud committed or attempted using the identifying information of another person without authority. It appears that Jefferson Capital System, LLC has used my identifying information without proper authorization or consent. 15 U.S. Code 1681C-2a, requires a consumer reporting agency to block the reporting of any information in the file of a consumer identified as resulting from alleged identity theft within four business days of receipt. 

So additionally, I am requesting the removal of inaccurate information by XXXX, XXXX and XXXX. Jefferson Capital System , LLC has violated 15 U.S. Code 1692 ( G ) ( A ) by failing to send a notice of debt within five days of the initial communication. I have not received any communication or written notices from Jefferson Capital System, LLC.

I assert that Jefferson Capital System, LLC is civilly liable under 15 U.S. Code 1681 ( N ) for the damages resulting from their failure to comply with the law. I am a federally protected consumer seeking a prompt and thorough investigation into these matters. Jefferson Capital System, LLC 's actions have caused me significant distress and potential harm to my financial well-being. I am prepared to litigate if a resolution is not reached. Enclosed with this letter, please find copies of relevant documentation supporting my complaint, including an FTC identify theft report, proof of identification, and proof of address. Thank you for your attention to this matter. I look forward to a timely resolution and appreciate your assistance in ensuring that Jefferson Capital System, LLC complies with all applicable laws and regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 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 2024-03-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I urge you to swiftly remove those fraudulent inquiries from my as it is not associated with me and is evidently fraudulent in nature.

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 2024-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX XXXX, has violated several consumer protection laws. I, XXXX XXXX XXXX, Consumer, am hereby placing XXXX XXXX, on a Cease and Desist Order. XXXX XXXX, is not allowed to transfer the title of the XXXX XXXX to any other person or entity. XXXX XXXX, is not able to close the credit account of XXXX XXXX XXXX, Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed there were 3 transactions maxed from XXXX in the amount of {$400.00} dollars each the location of the transaction was made in XXXX which I resided in XXXX CA. Immediately when I saw the transaction I called my bank and canceled the debit card I asked the representative I spoke to if I can do a deposit and they said I had to wait because the transaction were pending and there was a possibility that I can get my money back so I waited. Monday I placed my first dispute and Tuesday it was denied so I made another one that same day Wednesday it was denied. I asked to speak to a supervisor and explain the situation and told I have submitted proof of my ID, mail rental agreement showing were I clearly reside and police report and you are denying each rebuttal Ive submitted. I asked them to look in my history I do not have any transactions from XXXX and she clearly said yes, and it looks like those transactions have been made fraudulently and will submit another rebuttal and that was denied as well. Iv reach out to XXXX and they cant find the transaction in there system and I sent screenshots of the transaction that were made. They cant assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2024-03-01 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:
My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I got notification on XXXX that the escrow analysis for this file was completed. It showed a XXXX  payment per month. I got another analysis on XXXX showing that it dropped to XXXX per month. 
I called and was told that they were asked to remove taxes from the payment amounts. They then determined that they accidently did that to the wrong account. I asked them at that time to add taxes back in and re run an analysis to get my payment back to the amount I was quote on XXXX they did so, however they did not do it in time for it to change the XX/XX/XXXX payment which is due and in the amount of XXXX. 

i called multiple times to ask them to re run. On Monday XXXX, I called and they escalated and told me a new analysis would be out XXXX, back dated to fix the XXXX payment. My husband called on XXXX and confirmed this was still in the works. Then on XXXX, not receiving the email, i check my app and saw no notification. I called and they said that they denied my request. this was never communicated to me. 

now I do not know what my payment is, what it will be next month, or the shortage that is truly there as the company can not give me an accurate statement. 
I called and talked to a superior service manager and they stated this was not something they would fix and that I just need to make the higher payments each month. 

this is unacceptable as this is their mistake. I will be paying the payment and adding a lump sum in to not short my own escrows, but this is not how this company should be running. I want to be reimbursed for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I am writing to address a matter of urgent concern regarding XXXX  AS XXXX AND XXXX XXXXXXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX  and concern.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX  and concern.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been writing your company for numerous months. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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.

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
A request for debt validation was requested via phone on XX/XX/2024. I requested at that time that all further communication be in writing. On XX/XX/XXXX Genesis mailed a letter, not a validation of debt, demanding payment. They now call me daily to collect this debt I do not owe the originating company any money. I have written agreements from authorized agents of the originating company that I do not owe anything for the items they are claiming. 

The underlying debt is invalid, Genesis ' claims are invalid and their tactics to collect the debt are in voliation of legal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In regards to all MIDLAND CREDIT MANAGEMENT accounts I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on XXXX but is completely XXXX on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for XXXX reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

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

Company response to consumer: Closed with explanation