vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Dispute the debt associated with File Number XXXX, which was reportedly sold by XXXX to Velocity Investments LLC, with a stated balance of {$5100.00}. 

I request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I am requesting : 1. Proof of Debt Ownership : Documentation proving that Velocity Investments LLC has the legal right to collect this debt. 
2. Complete Payment History : A detailed breakdown of the debt, including the original contract, and any fees or interest that have been added. 
3. Verification of Accuracy : Proof that the amount claimed is accurate and consistent with what was originally owed. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report if it can not be properly validated. The presence of an unverifiable or inaccurately reported debt could be considered a violation of my rights under the FCRA. 

I am currently experiencing significant financial hardship and am unable to repay this debt. As such, I am also invoking my rights under the FDCPA, specifically 15 U.S.C. 1692c, to request that all communication regarding this debt cease immediately. Continuous attempts to collect this debt only serve to exacerbate my financial situation and could be deemed as harassment.

If Velocity Investments LLC is unable to validate this debt in full compliance with federal laws, I respectfully request that this debt be removed from my credit report and that all collection activities cease. Failure to comply with these legal requirements may result in further action on my part, including filing complaints with the appropriate regulatory agencies.

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 2024-08-16 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: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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.

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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
My repeated attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to severely impact my life, causing considerable stress and XXXX  I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Source Technology
State: VA

Complaint narrative:
XX/XX/year> I received a copy of a background report from XXXX They sent another copy to XXXX for XXXX employment. Assuring was only suppose to go back XXXX for the background check. Asurint went back over XXXX XXXX in the background report which is XXXX more than the FCRA federal law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
I am writing to address a serious concern regarding the handling of my private information. As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies to handle information with fairness, impartiality, and respect for privacy. XXXX and Experian are both responsible for ensuring that my private data is managed correctly and securely. 

According to 15 USC 6801, financial institutions have a duty to protect the privacy and confidentiality of their customers information. Since you act as financial institutions in this context, you are required to uphold this standard. Additionally, 15 USC 1681 requires that any consumer report can only be provided based on my explicit written instructions. I have not given my consentneither verbal nor writtenfor any of my information to be shared with third parties.

Further, under 15 USC 6802 ( b ) ( c ), you must inform me of how I can exercise my right to prevent the disclosure of my nonpublic personal information. However, I have not been given this explanation, which is a clear violation of the law. 

Moreover, 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old. Yet, my report includes such outdated information without my authorization. This is unlawful. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that information must not be reported if it is known or should be known to be inaccurate. I am concerned that XXXX and Experian are not maintaining the necessary procedures to comply with this requirement, as specified under 15 U.S. Code 1681e. 

According to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately. 

Please confirm the receipt of this notice and take prompt action to correct these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to address a serious concern regarding the handling of my private information. As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies to handle information with fairness, impartiality, and respect for privacy. XXXX and XXXX are both responsible for ensuring that my private data is managed correctly and securely. 

According to 15 USC 6801, financial institutions have a duty to protect the privacy and confidentiality of their customers information. Since you act as financial institutions in this context, you are required to uphold this standard. Additionally, 15 USC 1681 requires that any consumer report can only be provided based on my explicit written instructions. I have not given my consentneither verbal nor writtenfor any of my information to be shared with third parties.

Further, under 15 USC 6802 ( b ) ( c ), you must inform me of how I can exercise my right to prevent the disclosure of my nonpublic personal information. However, I have not been given this explanation, which is a clear violation of the law. 

Moreover, 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old. Yet, my report includes such outdated information without my authorization. This is unlawful. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that information must not be reported if it is known or should be known to be inaccurate. I am concerned that XXXX and XXXX are not maintaining the necessary procedures to comply with this requirement, as specified under 15 U.S. Code 1681e. 

According to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately. 

Please confirm the receipt of this notice and take prompt action to correct these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: LA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
My Identity has been stolen in the past. Ive sent in supporting documentation to all 3 Credit bureau who has investigated and verified that I was victimized and the removed all unauthorized accounts from my reports until recently. I just noticed that all previous removed accounts has been placed back onto 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 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: CO

Complaint narrative:
An account through Allied Account Services was taken out in my name XXXXXX/XX/year> the original creditor is XXXX XXXX XXXXXXXX XXXX. The loan type is " collection agency. '' I did not take out this loan or make this account. This account was either made fraudulently or is fraudulent. I only came to know of the account when checking my credit score through XXXX XXXX. I have froze my credit and made a dispute with XXXX XXXX. 

More information about this fraudulent charge : their address : XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX Phone Number : XXXX I found this information on the XXXX website, I never had any knowledge of this company prior. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On My XXXX credit report it shows on XX/XX/year> that an inquiry was done for a credit card with CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I told that company that someone has been trying to get credit cards in my name and that I did not request or applied for any credit cards from CBNA. I asked them to remove it and to advise XXXX to remove the inquiry from my report. This is fraud and identety theft and need your help to remove this inquiry that was not done by me.

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Dear Investigation Team, I purchased a tour with XXXX XXXX  to go to XXXX for the month of XXXX Less than a week into the tour there was a head on collision with a truck.I was XXXX to the hospital with XXXX XXXX XXXX and loss of property ( my XXXX and luggage were destroyed ) .I went to XXXX hospitals and had to return immediately to the XXXX where XXXX had to have XXXX and pay excess of $ XXXX in medical bills. Despit submitting all the evidence and receipts Bank of America has charged me in full for a dangerous and undelivered service. 

I can not believe they would even try to ask for payment given the terrible experience.It goes to show they had no XXXX XXXX wanted to make me continue even though the hospital recommended XXXX ( I have attached the report ). 

I had planned a month and then had other plans for XXXX. It has cost me well over $ XXXX with medical, lost travel costs, etc. Just horrible. 

Additionally- I have received inappropriate XXXX texts from the driver who almost XXXX me. 

I have been waiting on the paperwork that was sent XX/XX/XXXX. It is now XX/XX/XXXX, so I can follow up with any questions you may have, since I have not heard from anyone at Bank of America other than a rejection letter that did not address any of the above concerns- chiefly, I did not receive the tour and the cost of rebooking flights, hotels, medical, and replacing all that was damaged in the XXXX XXXX accident. 

I look forward to your assistance in this grave matter. 

Best, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I ordered XXXX tickets through paypal for a show scheduled for XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX telling me the XXXX date was rescheduled for XXXX and I had an option to request a refund until end of XXXX. On XX/XX/XXXX I requested a refund from XXXX and I notified PayPal. XXXX flagged my account for fraud because I let PayPal know I was expecting a refund instead of letting XXXX refund me at their convenience. Now I am blocked from purchasing tickets from XXXX indefinitely because the artist they promoted canceled and i was given an option for a refund. I have called their fraud department XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today and every rep refuses to help me. On top of the fact XXXX never advised me my account status changed and continues to send me promotion emails. I only knew of the fraud flag after I tried to purchase tickets and when I waited for order confirmation a message came up indicating I needed to contact fraud. I want this flag removed and I want my account updated to good standings. I've never indicated fraud, or had issues in all the years I've used XXXX until an artist canceled his show 3 days after I purchased tickets, which was totally out of my control. I didn't have XXXX just to sit around so therefore I wanted PayPal to know of the expected refund since I used them as a payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
In XX/XX/year> I was contacted by XXXX XXXX XXXX XXXX advising me of a debt they purchased from XXXXXXXX XXXX. On XXXX XXXX I provided them documentation from my XXXXXXXX XXXX online account showing XXXX XXXX is indicating XXXX balance and risk balance paid, I asked them to validate the debt. I never heard from XXXX XXXX XXXX XXXX with validation of debt within the 5 days required. The next thing I know is I'm being contacted by a collections law firm XXXX XXXX XXXX threatening law suit if I do not pay and wanting me to sign a Confession of Judgment ( which I did not sign ). I set up payment arrangements to avoid court and requested they validate the debt with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  sent validation request to XXXX XXXX XXXX XXXX in XXXX, and returned to me XXXX of the XXXX I paid. They have not heard from XXXX XXXX XXXX XXXX. This is on my credit report as a collections. Please assist. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
My federal student loan servicer is XXXX. There was a transition of XXXX so they would have more oversight by federal student loan agency. 
Now my same debt is showing up twice in my credit report. 
One reported at " federal student loan '' and once reported by " XXXX ''. 
I contacted Experian and they stated I must reach out to the company reporting directly. I contacted federal student loans dept and they stated they do not report to the credit bureau and only my servicer reports. I can only assume that XXXX was reporting and continues to report an that now under the new agency they created they are also reporting. 
My debt to income ratio is impacted as this doubles my debt prevent in g me from moving on with financial transactions that would typically be approved by a bank but are currently not. I have notified XXXX about the problem. 
XXXX is not rectifying the issue despite my account being completely transferred to their new platform 3 months ago.

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