vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Below is the Debt Validation Letter I sent to Portfolio Recovery Associates , LLC. They have not responded with the necessary documentation, and I am still being pursued for this debt. Please review the contents of the letter for the specific documentation I requested from the collector. 




Re : Request for Debt Validation To Whom It May Concern, I am writing regarding the account listed above, which you claim I owe. I dispute the validity of this debt and request that you provide me with the following information as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : Proof that you are legally entitled to collect this debt, including a copy of the original agreement or contract signed by me.

Verification of the full amount of the debt, including any interest, fees, or other charges that have been added. 
A copy of the purchase agreement or assignment of the debt, which clearly shows the transfer of the debt from the original creditor to your company, along with the full chain of custody of this account. 
A full payment history for the debt, showing the amount that was originally owed, any payments made, and any charges added since the debt was incurred. 
Under the FCRA, you are required to provide accurate information to credit reporting agencies. Therefore, until you can provide the requested documentation, including the purchase agreement, I request that you cease all collection activities and remove any reference to this account from my credit report. 

Please consider this a formal request under the FDCPA and FCRA and respond within the required 30 days. I look forward to your prompt response to this matter. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: IN

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

Account Name : XXXX XXXX XXXX XXXX | Account Reference # : XXXX | Account Name : XXXX XXXX XXXX XXXX XXXX | Account Reference # : XXXX | ( This account is paid in full ) 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 : A consumer reporting agency can not a account with out my written instructions 15. U.S.C 1681c. ( a ) ( 5 ) Section Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Items 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 2024-09-25 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: IN

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

Account Name : XXXX XXXX XXXX XXXX | Account Reference # : XXXX | Account Name : XXXX XXXX XXXX XXXX XXXX | Account Reference # : XXXX | ( This account is paid in full ) 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 : A consumer reporting agency can not a account with out my written instructions 15. U.S.C 1681c. ( a ) ( 5 ) Section Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Items 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 2024-09-25 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a 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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had this Capitol One XXXX XXXX credit card account since XX/XX/XXXX. XXXX approves credit limit increases every XXXX months as long as your credit report is in good standings. I have received XXXX credit limit increases after requesting them every XXXX months but was denied the XXXX time on XX/XX/XXXX with the message stating " XXXX XXXX XXXX XXXX has reported a recent credit delinquency. '' After requesting full credit reports from all three reporting agency 's, I have not had a delinquency in XXXX  years. The last time I had a delinquency, I did not even have this credit card account. 

Therefore, my credit report has not change other that adding on time payments throughout my tenure with this current credit card, having no delinquency 's during its duration, but am somehow only recently being denied due to delinquencies I do not have. 

I have tried calling multiple times and have had a customer service rep see that I have had XXXX increases and was denied my third. I stated I can send in full copies of my credit report but was told there is no where to send them, that the system for rate limit approve is automated. 

After already receiving rate limit increases through my tenure with this card, I should not be denied for delinquencies now, when no new delinquencies have occurred during my tenure with this account/card as proven by the reports from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$360.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, XXXX XXXX XXXX has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/year>. A friend sent me XXXX XXXX XXXX dollars in XXXX through the coinbase wallet. After I received it, I found that the amount was changing at any time. There were several screenshots of the time, and the amount changed hugely. I doubted whether this was XXXX.. I want to send to another platform but can't send because the assets are on XXXX. I don't know why. Then I asked customer service and customer service asked me to pay XXXX gas fee. I think this is fraud. If I want The payment can be automatically deducted, why should I pay extra? This is a common trap for fraudsters. I report it to you and provide these screenshots. I hope you can help me investigate, deal with them, and recover my XXXX XXXX XXXX dollars. Thank you! 
For a long time, Coinbase has never provided help with customer service. They usually don't answer and just ignore it. This customer service was recommended by a friend. I don't know if it is true. It may be a fraud syndicate. I hope you will investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to get an erroneous debt removed from my credit report several times now. The debt is related to a clerical error by XXXX XXXX who said i never returned internet equipment, I have proof of a tacking number as well as a receipt from XXXX showing that the equipment was indeed returned. I have sent proof to the company who says I owe it, XXXX XXXX, as well as XXXX XXXX XXXX ( XXXX ) who the debt was sold to, and to TransUnion. At this time I am filing this compliant against TransUnion as their " investigation '' has been nothing of the sort. They're relying on evidence from XXXX to confirm that the debt is indeed real and accurate, even after i have provided proof of return to all parties. The fact that they TransUnion will not accept my proof, but the proof of the collection agency... who is grading their own homework is wrong. The burden of proof should lie with the XXXX and the collection agency to show that my return receipts are inaccurate. I have provided serial numbers, return numbers, and XXXX tracking... all of these references should be leveraged to investigate my case, and to date they have not. I am a frustrated consumer who is being forced to carry a poor credit score based upon inaccurate information and poor investigation. Transunion Dispute reference number : File Identification Number : 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 2024-09-25 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:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bright Side Loans, LLC
State: MO

Complaint narrative:
I have fallen delinquent on a debt with a company called bright side loans based out of XXXX. I have been embarrassed to reach out to them in regards to the debt because I have fallen behind on my finances. The loan was taken out online via brightsideloans.com. On XX/XX/year> I received a threatening call from an individual by the name of XXXX. His contact info on caller id is XXXX. He states that my credit will be ruined and that hes sending my file over to their attorney and he will garnish all my wages. I have emailed them and asked to work out payment arrangements. I have received other texts also stating that my credit will be ruined and that they will garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: NC

Complaint narrative:
I don't believe I have a debt with this company. I believe this is a scam, especially with some of the threats, urgency, wording and grammar used. I've attached the email exchange. They replied to me with similar-styled responses without addressing what I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and the

y did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> my ex wife used a credit card to purchase a computer without my knowledge and in my account for Dell Preferred. I had asked the court for her to return the computer to the company but she refused stating ( it was a gift from family ). Furthermore, it was then ordered for her to turn the computer over to myself to return which she refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TXXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has errors on my credit report. 

I have requested several times a full credit report and nothing but the run around. 

Personal info wrong, address wrong, phone number wrong balances wrong and various other info incorrect. 

XXXX 's balance wrong

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