vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems are is illegally reporting derogatory information regarding a collection in the amount of {$850.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with Jefferson Capital System nor have I provided any form of identification that would permit them to legally report such information. Despite many requests, Jefferson Capital System has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In lieu of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against Jefferson Capital System. I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. Jefferson Capital System failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to log into my transunion account but no matter what method or information I provide, I can't log in. Their website does not provide or access the right info to log in. I tried creating a new account but it says they found an existing account. Tried resetting the password but the username they assigned me does not work and using my email address does not work. What a disgusting mess this company is. Their AI bots don't connect you to the right info, the call center does not answer. How do these people stay in business???

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 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I sent a debt validation letter to XXXX  to request information on a debt they are trying to collect from me. I received a letter back with no evidence and the letter stated that I owe them the debt and it's been verified.

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 2024-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account XXXX XXXX XXXX XXXX XXXX XXXX payment late year XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
I would like to bring to your attention the following details : I have an outstanding debt with XXXX XXXX XXXX amounting to {$7300.00}, which originated during the pandemic on XX/XX/year>. This debt was transferred to XXXX XXXX XXXX by XXXX XXXX and was initially covered by the rental assistance program. Since XX/XX/year>, I have made attempts to dispute the accuracy of this debt through both Experian and XXXX. I have requested XXXX XXXX XXXX to provide me with a validation letter, either via email or mail, that includes my signature as the joint applicant, to demonstrate that I am indeed responsible for this debt. I have never engaged in any business dealings with XXXX XXXX XXXX. Despite my efforts, the XXXX XXXX XXXX has continued to report inaccurate information and has refused to rectify the situation even after conducting an investigation. This noncompliance with the FCRA laws has prompted me to seek compensation for damages for each month that inaccurate information was reported on my account. I have estimated that each month of inaccurate reporting constitutes a separate violation, with damages totaling {$1200.00} for each instance.

Under the regulations stipulated in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, debt collectors are mandated to incorporate a " debt validation notice '' within their collection correspondences. This notice serves the purpose of apprising the debtor of their entitlement to formally challenge the debt in writing.

Under 15 U.S.C. 1692i, this provision delineates the specific jurisdictions in which debt collectors are authorized to initiate legal proceedings against consumers.

Under 15 U.S.C. 1679 ( b ), credit repair organizations are prohibited from making or using any untrue or misleading representations of their services. These organizations are precluded from making or advising consumers to make any untrue or misleading statements regarding their creditworthiness, credit standing, or credit capacity to any consumer reporting agency or to any person who has extended credit to the consumer.

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 2024-10-07 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:
Recently I did an investigation on my credit report and found several items listed to be inaccurate.

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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my consumer credit report immediately : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$180.00} Account number XXXX Date opened XX/XX/XXXX Account type Open account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX {$350.00} Account name XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$180.00} Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold Account type Collection Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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:
Recently I did an investigation on my credit report and found several items listed to be inaccurate.

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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my consumer credit report immediately : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$180.00} Account number XXXX Date opened XX/XX/XXXX Account type Open account Experian ***** XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$350.00} Account name XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX$180.00} Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold Account type Collection Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX 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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have signed up for a few XXXX in the last year but having spent money at these outlets, I did not get the money back or discounts that the bank promised

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 2024-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
Hi, Im working for XXXX. Regards to my job, I had to go to the doctor to check up my health conditions. On the job, a XXXX did spit on me and its required by XXXX to do exposure test. I have provided everything to the doctors office, but they didnt work on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
XX/XX/year> company is sending debt collection notice for a parking ticket for no parking after certain hours with a license plate number that I don't know neither of my cars have this license plate number I think it's a scam I have no idea whose license plate number this pertains to but it's not me and I'm tired of them calling me three and four times a day and sending me mail for something that's not mine

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted twice to purchase from an online store. My card declined. I contacted Citi about the issue because my card was not locked and my balance was only {$150.00}. The Customer Service Agent ( CSA ) XXXX stated it regarded the CVV/CVC on back of card being wrong. I disagreed with that because I typed the card information as stamped on the card. He became belligerent and so I asked to speak with a manager. The Call Center Supervisor ( CCS ) XXXX received the call and she explained that the CVV/CVC was wrong and the merchant declined the charge. I didnt believe this to be true because the Citi system sent me a verification code in order to continue with processing the payment after I entered my card information. The was done not once but twice. CCS Km inquired as to whether the merchant asked for the address. I informed her that this was a digital transaction and no home address is needed although my home address is in the Citi database. In addition, I asked which department would be responsible for investigating this issue. CCS XXXX did not know. I asked to be transferred to the department that would be able to assist me rather than just hurry me off the phone call. Thereafter, CCS XXXX forwarded me to technical support. XXXX XXXX explained that my issue was a customer service issue and she forwarded my call back to customer service. The next CSA who came on the line did not give her name. Her voice was unclear because he line became very muffled. She asked me to confirm my phone number so she could call me back. I decline stating how would that fix the phone call problem. She then forwarded my call to the XXXX. Once there, I had to request that my call be sent back to the US. because my recent experience with the customer service of the XXXX was horrible. It was this call that the CSA informed me that not only was the CVV/CVC wrong , but now the home and IP addresses with the expiration date on the front of the card. In addition, she stated that the transaction can be viewed in realtime. She asked me try to do the transaction while she remained on the line. I refused because she explained that Citi employees can view the transaction in real time. My trust was diminished greatly.

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 monetary relief
Consumer complaint received 2024-10-08 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-10-08 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-10-07 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: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-07 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: UT

Complaint narrative:
I reviewed my credit report. I do not recognize XXXX XXXX account or XXXX XXXX. I am asking to remove this information from my credit report.

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