vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
I called Jefferson capital ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for JEFFERSON CAPITAL SY XXXX Still on my credit report after that said they will delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: DE

Complaint narrative:
I am filing this complaint to address the violations of federal laws by the following accounts and credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX v. TransUnion ( XXXX ), credit bureaus are obligated to ensure the maximum possible accuracy of the information they report. The inaccuracies in my credit reports violate the following laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX b ). Therefore, I request the deletion of these inaccurate accounts. 

Account Details : Account : XXXX Issue : Incomplete Information Details : TransUnion shows a high limit of {$320.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX XXXX : XXXX XXXX XXXX : TransUnion shows a high limit of {$410.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX Issue : Inconsistent Payment Status Details : The payment status differs between the XXXX credit bureaus : TransUnion : XXXX  days past due XXXX : XXXX  days past due XXXX : At least XXXX days past due Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 

Account : XXXXXXXX XXXX Issue : Incorrect Account Types Details : The account types are inconsistent : TransUnion : Open account XXXX : Collection XXXX : Collection Additionally, the dates last reported are inconsistent : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX ( with no reporting from XXXX ) Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 
Conclusion : If there is XXXX source of information, the reported data should not vary. These discrepancies prove that an actual investigation never took place. Therefore, I demand the deletion of the inaccurate accounts from my credit reports.

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 2024-07-02 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: DE

Complaint narrative:
I am filing this complaint to address the violations of federal laws by the following accounts and credit bureaus : XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. According to XXXXXXXX XXXX XXXX  ( XXXX ), credit bureaus are obligated to ensure the maximum possible accuracy of the information they report. The inaccuracies in my credit reports violate the following laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681e ( b ). Therefore, I request the deletion of these inaccurate accounts. 

Account Details : Account : XXXX Issue : Incomplete Information Details : XXXX shows a high limit of {$320.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX shows a high limit of {$410.00}, while the other credit bureaus show nothing. Additionally, there are three different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : Credit Acceptance Issue : Inconsistent Payment Status Details : The payment status differs between the three credit bureaus : XXXX : 120 days past due XXXX : 180 days past due Equifax : At least 120 days past due Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 

Account : XXXXXXXX XXXX Issue : Incorrect Account Types Details : The account types are inconsistent : XXXX : Open account XXXX : Collection Equifax : Collection Additionally, the dates last reported are inconsistent : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ( with no reporting from Equifax ) Additionally, there are three different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 
Conclusion : If there is one source of information, the reported data should not vary. These discrepancies prove that an actual investigation never took place. Therefore, I demand the deletion of the inaccurate accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: MA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i mailed 2 checks to my mortgage holder in XXXX CA. someone intercepted the mail & stole the checks. those checks got deposited to a credit union in XXXX CA. no signature on the back of the checks. my mortgage holder uses the same bank in XXXX for nearly 20 years & always signs the back of the check. The checks were deposited to The XXXX XXXX XXXX XXXX on XX/XX/XXXX. check XXXX XXXX & XXXX both in amount of $ XXXXMy account with JP Morgan Chase overdrew on XX/XX/XXXX. i reported the fraud to my bank. they reimbursed me for XXXX check, {$320.00} on XX/XX/XXXX. i received forms to fill out & when they got them back they reimbursed me for the second check. this was a provisional reimbursement. a year later, on XX/XX/XXXX, JPMorgan Chase withdrew {$320.00} and when i called they said they were unable to recover the funds from the Credit Union. they stated, " no response ''. they left my account negative {$180.00}. i got 3 letters from them online at their website stating they were not able to recover the funds & they got no response from the credit union. they gave me the address of the XXXX XXXX XXXX XXXX in XXXX CA & told me that i could foll0w up with them directly. i already called the Credit Union twice to no avail, and was told that communication was only down between them & my bank. my account remains negative {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to follow up my previous dispute with unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NE

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


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

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 an 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 2024-07-02 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: NE

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


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

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 an 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 explanation
Consumer complaint received 2024-07-02 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase bank illegally closed my account, and also falsely lied about crediting a dispute of {$220.00} to my account when in reality there are NO credits of that amount to my account. Then, after ilegally closing my account they have been charging me fees of over {$60.00} a month for the past year, which wouldn't have taken place either if my account had remained opened like it was supposed to. Lastly, the total amount they want me to pay them now has added up to {$1200.00} which I won't be able to pay because I don't earn enough to pay that and also because they don't deserve any of my money after how they treated me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-02 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: NV

Complaint narrative:
Upon checking my credit report, I have found out that the account XXXX XXXX with the account number XXXX and XXXX with the account number XXXX and the address XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX are fraudulent . I have no association with the above mentioned accounts and address. They do not reflect my factual information and area a breach of my personal information. Please investigate and remove these fraudulent accounts and address from my records 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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: FL

Complaint narrative:
XX/XX/2024 got a call from IQ Data debt collector regarding a debt that I requested information about previously, in which the man decided to tell me thats not his concern and that the manager has been avoiding giving me the information requested. I stated that I will not pay a debt I dont have information on. He then stated that he will contact my employer and asked if I was bilingual. I asked what me being bilingual has to do with anything and he said that it has to do with everything and my people. I told him I dont appreciate how hes talking to me and he said its not his problem that Im soft and dont like how hes speaking. Cursed. So I hung up and contacted my leasing office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report reflect inaccurate information about my name, addresses, previous addresses I've never resided, and work place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report reflect inaccurate information about my name, addresses, previous addresses I've never resided, and work place.

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 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Prosper Marketplace, Inc.

Complaint narrative:
recieved recurring phone calls about past due payment to a credit card i do not have nor applied for. They asked my informaiton to verify with what that have and said nothing matched not even the SS # but yet it is on my credit report. They would not give me any information but said they would report it as fraud. That was in XXXX. In XXXX I started getting the same calls and per a manger i finally got to speak to she showed no record of it being put as fraud and still wouldnt give me any information. She said she would have it removed and tagged as fraud and i would get an email confirming it. Never got an email and i get passed around to customer rept to customer service rep with no information. This is not my card and i want it off my report. I always pay MY bills on time and will not be repsonible for fees that are 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 2024-07-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: MA

Complaint narrative:
The company called Americor sent me a flier that they could give me the loan to settle my credit debt. I called the number and and talked to the agent and she confirmed that if I am approved they will repay my credit debt. I've got approved for loan repayment program. After spending several hours for getting approved, signing paperwork online, and agreeing to pay XXXX dollars every month with about 6 % of rate the agent told me that after about XXXX months my loan will be repaid. I agreed to terms only on condition that the loan will be paid I started paying the money to escrolls account. I was warned that my credit score will go down but after the Americor will pay off my loan I will repair it very fast. After about a month I became suspicious and called the agent several times and she confirmed every time that I am not on loan consolidation but loan repayment program. After 2 months I withdrew from the program, because on my online account I was on loan consolidation program, but every time I called the agent who signed me up for the program ensured me that I am on loan repayment program. She was assuring me that everything is going fine, the process has started and pointed that next week after my call the company will start paying off my debt. As a result I end up with credit score dropping to the lowest point and I most probably will file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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.

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX  - XX/XX/2024 2. XXXX XXXX  - XX/XX/2024 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: NJ

Complaint narrative:
I have signed up with a Debt Consolidation company, XXXX XXXX XXXX  months ago. Best Egg, the loan company in question agreed to a settlement almost right away and has been receiving regular monthly payments for XXXX  months. In XXXX and after receiving 11 payments they suddenly reported my account as 60 days late and again this past month reported my account as late. I never expected to have everyone report on time payments through this process. I know it is my mistake and my stupidity that I am in this situation, but I never expected that after receiving agreed upon payments and on time payments for a year that a company would all of a sudden decide to do this. This can not be right. 
Best Egg Owed {$3500.00} Agreed Settlement {$1800.00} 13 of 24 payments have been made on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> Navy federal rewards card allowed the secondary person to make charges with my credit card leaving me with the debt to pay. I ask for the person to be removed from the card XX/XX/year>. However speaking with a representative she responded that the secondary person that has digital wallet they can't remove to from their in and this was giving the card holder to make purchases. Leaving me with a debt to pay. I was not aware of this and was charge incorrect balance and over the limit amount {$3500.00} when my credit limit for this card was only {$2000.00}. The account was charged off and removed to collections which they did not help me to resolve my issue being a victim of them allowing the other party to make purchases with the card when Navy Federal said they had block the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation