vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Midwest Loan Services, Inc.
State: MN

Complaint narrative:
Mortgage company was XXXX and my loan was sold to Midwest loan services. No notification was sent to XXXX XXXX  about new servicer so they billed XXXX  for premium. when XXXX payment was received I got a notice of impending cancellation. I contacted XXXX and they tried to issue a check but it arrived late and XXXX  dropped my Insurance and will not rewrite. Midwest loan services says its my responsiblity to notify insurance of sale and new company. Now there has been a gap in Insurance and XXXX higher risk due to some claims I can't find a reasonable provider for insurance. I feel this has happened due to negligence of 1 or both of the mortgage companies. I think its a scam just to be able to impose forced insurance??

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, an account under the name of Jefferson Capital Systems , LLC ( " JCS '' ) appeared on my credit report as a derogatory mark/placed for collection. Initial written notice of this item was not sent to me until the beginning of XX/XX/XXXX. I disputed the debt in writing within the allotted 30 day window, via certified mail/letter dated XX/XX/XXXX, in which I specifically communicated the following to XXXX : " Dear Jefferson Capital Systems , LLC, This letter is being sent to you pursuant to the Fair Debt Collections Practices Act, XXXX XXXX Sec. XXXX. I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/XXXX about a debt of {$2800.00}. 

You violated the FDCPA Sec. 809 ( a ) by not providing the written notice specified in that section within five ( 5 ) days of your initial communication. 

I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 

Stop all other communication with me and with this address. If your offices continue to attempt communication, other than to validate the debt, it will be considered harassment and I will have no choice but to file suit. '' XXXX has since routinely attempted to contact me by phone, and I receive monthly billing statements from them with varying requests for payment. 

In their most recent written outreach, XXXX is directly threatening suit in violation of FDCPA based on the claims I made to them in my dispute letter from XXXX. 

Additionally, XXXX is headquartered in Minnesota, but they send me debt collection letters from the address po box XXXX XXXX, NC. This is a strategic method that aims to confuse consumers, and to trick them into settlement payments that XXXX XXXX can process without actually resolving the debt. 

Several class action lawsuits have been filed against Jefferson Capital Systems for the deceptive use of the address po box XXXX XXXX, NC. For example : XXXX XXXX Jefferson Capital Systems XXXX XXXX XXXX Jefferson Capital Systems XXXX I will continue to report this firm to the various state and federal bodies providing oversight of their industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My husband committed XXXX  in the vehicle. Car was taken to impound and behind our backs repossessed unfairly. No warnings, no communication no chance to retrieve information or personal property. We are at a huge loss. The car was basically stolen from our possession and this company took advantage of my husband 's death to deceive us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TN

Complaint narrative:
Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX BANK XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$4500.00} I looked at my Transunion credit report on XX/XX/year>2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 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 reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2, they are supposed not to 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 2024-11-26 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: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Westlake Services, LLC
State: IL

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial has engaged in multiple violations that have negatively impacted my credit, emotional and mental health, and placed me and my young child in a compromising position. 

Despite my account being in good standing, they shut off my access to my line of credit without prior notice, leaving me unable to rent a car while traveling. Subsequently, they closed my account without my request or consent and falsely reported it as " closed at consumer 's request. '' Even after I issued a cease-and-desist request, Discover continued to call me daily during work hours and send frequent emails, disrupting my ability to work. 

These actions are unfair, misleading, and have caused significant harm. I am seeking {$4000.00} in damages for these violations, plus removal of any and all late fees from this account, as well the removal of negative reporting from my credit reports and request an immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX stating they had a court summons for my husband. When I questions the reason, I was directed to XXXX. They informed me that they represented Chase Bank, that my husband had an outstanding balance on a credit card of {$30000.00} that dated back to 2010. I was pressured into paying half that amount that night or either go to court or pay the full amount. I paid them {$15000.00} on my husband 's bank card which has since been cancelled, but they could not stop the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CITICARDS CBNA # 542418 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 XXXX 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 of 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 2024-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Subject : Complaint Against Southwest Credit for FCRA XXXX and Failure to Validate Debt To Whom It May Concern, I am submitting this complaint regarding Southwest Credits handling of my debt dispute for Account # XXXX. Despite my repeated requests, Southwest Credit has failed to provide proper validation of the debt and has only provided billing statements, not a signed contract or agreement. 

Details of the Complaint Failure to Validate Debt Properly : I requested validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). 
Instead of providing a signed agreement or contract, Southwest Credit sent billing statements, which do not substantiate the legitimacy of the debt. 
Inaccurate Reporting Under FCRA : Despite the lack of validation, Southwest Credit has continued to report this debt to credit bureaus. 
This violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), which mandates accurate and verifiable reporting of consumer debts.

Emotional and Financial Harm : Southwest Credits actions have caused significant harm, including : Negative impacts on my credit score.

Denials of credit.

Emotional distress from dealing with these unresolved inaccuracies.

Relief Sought To resolve this matter, I am requesting the following : Debt Validation : Provide a signed contract or agreement that substantiates this debt. 
If no such contract exists, confirm in writing that the debt is unenforceable. 
Removal of Negative Reporting : Permanently remove all references to this account from my credit reports if proper validation can not be provided. 
Compensation for Damages : Reimbursement for any financial harm caused by this issue, including higher interest rates or costs associated with credit denials. 
Compensation for emotional distress caused by Southwest Credits FCRA violations.

Written Assurance of Compliance : Confirm Southwest Credits adherence to FCRA and FDCPA requirements moving forward. 
Government Oversight and Penalties : Request CFPB oversight of Southwest Credits practices to ensure compliance with consumer protection laws. 
Supporting Documents Attached : Correspondence with Southwest Credit regarding the dispute. 
Billing statements sent by Southwest Credit as part of their response. 
Credit reports reflecting Southwest Credits reporting.

I expect a thorough investigation into this matter and resolution within the required timeframes. Please contact me if further clarification or additional documentation is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-11-26 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: FL

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 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 2024-11-26 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: FL

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 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