vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
What happened : Midland Credit Management , Inc. is reporting a collections account for a balance of {$1900.00}, which was sold by XXXX XXXX on or about XX/XX/year>. The attached letter from XXXX XXXX confirms the account transfer. Despite this, I believe this collection is either inaccurate, improperly validated, or not in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions taken : Reviewed my credit reports from XXXX XXXX XXXX XXXX where this account is being reported as a collection item. 
Attempted to verify the validity of this debt but have not received appropriate documentation or evidence from Midland Credit Management , Inc . 
Disputed the account with the credit bureaus, but no resolution has been provided. 
Supporting evidence : Attached letter from XXXX XXXX XXXX XXXX indicating the transfer of the account to Midland Credit Management , Inc . 
Desired resolution : Immediate removal of this negative item from my credit reports with XXXX XXXX XXXX XXXX 
Compensation of {$100.00} for the damages caused by this inaccurate reporting, as allowed under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
Under 15 USC 1681a ( 2 ) ( A ) ( i ) No transactions can be reported on my consumer report. 

A payment is a transaction and reporting it violates the law. 

Please update the following accounts to paid on time - never late or remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
Under 15 USC 1681a ( 2 ) ( A ) ( i ) No transactions can be reported on my consumer report.

A payment is a transaction and reporting it violates the law. 

Please update the following accounts to paid on time - never late or remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Since XXXX, XXXX, I sent several written requests to have inaccurate reporting information removed from my report. To date, none of the information has been removed nor 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 non-monetary relief
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Since XXXX, XXXX, I sent several written requests to have inaccurate reporting information removed from my report. To date, none of the information has been removed nor updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
At the end of XXXX, XXXX. I had decided it was time to purchase another vehicle. My current vehicle was a XXXX XXXX XXXX I had owned for 3 years and NEVER missed a payment. The XXXX payment was due on XX/XX/XXXX. I decided to hold off on making the payment since I more than likely would be purchasing another vehicle. I also realized that if I didnt find a vehicle before the XXXX that I would just make the XXXX payment. I knew it had to be before 30 days to avoid a mark on my credit score. 

I traded-in my XXXX XXXX XXXX, which has been financed by San Diego County Credit Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I specially asked my Sales Rep, XXXX if I should make the payment. She said it wasnt necessary as XXXX had already included the full payoff amount in the check that would send to SDCCU. With that, I signed all the appropriate documents released the legal responsibility to XXXX and dropped the XXXX from my insurance. I thought everything was fine until about a month later I received an alert from XXXX stating that my score had dropped XXXX XXXX due to a 30 day late on my XXXX XXXX XXXX. I immediately went to the Credit Union thinking that someones in the branch would be able to quickly resolve the issueI was wrong. They said I had to write a letter to the credit department explaining my situation and provide documentation. I was very frustrated and disappointed that there was even a phone number or point of contact or anyone I could directly speak with. So, I did as they instructed and provided copies of the loan documents and all the paperwork showing that I no longer owned the XXXX XXXX XXXX XXXX  which was 6 days prior to the 30 day window. Within a few weeks I received a letter stating that they would not makes any correction unless I provided more information. They never stated what else they needed. My thought was, what else do you need when you can clearly see when I traded in the vehicle? With no one to speak with I went back to the Credit Union and again was told there was nothing they could do. Im so frustrated and disappointed as I had been a good customer and tried to do the right, and again, I HAD NEVER MISSED A PAYMENT. It would nave zero sense to fumble the last payment on the loan prior the trade-in, and damage my credit. I am requesting your help to have my credit reports corrected to reflect the paid off status and the removal of the late payment. I truly hope you can help me with this matter. 
Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am writing to urgently address a significant issue regarding a debt that was reported to me last year. 

I previously informed the debt collector that I do not owe XXXX XXXX, as I have an active account with them. The account linked to the address provided does not belong to me, and despite disputing this matter, it remains on some of my credit reports. 

To expedite the removal process, I recently contacted Credence Resource Management and paid the amount in full. However, they stated that XXXX does not permit them to delete this entry from my records, even though it is not my debt. 

This situation is impacting my credit score and overall financial standing. I kindly request your immediate assistance in resolving this matter and ensuring that the incorrect information is removed from my credit reports. 

Thank you for your prompt attention to this urgent issue. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I have sent out debt validation letters and still have not received any information back.

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 2024-12-20 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: Credit Karma, LLC
State: VA

Complaint narrative:
A fraudulent account was opened on credit karma with my name and personal information, except the phone number and email used to open the account and attached to the account belong to the person whom stole my information and I have attempted multiple times to file a complaint or report with them and have not had any success. The only way to contact them is through the website since they do not have a customer service number and I'm not able to get anything accomplish because I don't have access to the phone number or email attached to the account because they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal has constantly charged me for wrongful overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management LLC has been hounding and pestering me for the past almost 2 years for balance owed to XXXX XXXX XXXX XXXX which is inaccurate. 

I'm an XXXX XXXX XXXX customer for the past XXXX years with ongoing services and fully paid monthly bills and XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: OH

Complaint narrative:
XX/XX/XXXXXXXX XXXXI HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY XXXX, EQUIFAX, AND XXXX. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
You're " Loan Statement '' instrument and claim of an alleged loan in the amount of XXXX is hereby disputed in accordance with my prerequisite due process rights. 

You are hereby commanded to produce to me via certified mail the following for full disclosure purposes : 1. The certified copy of the alleged 'loan agreement ' ( exposing the front and back ) with my signature complete with an affixation or allocation attached to the same for endorsements. 
2. All bookkeeping journal entries and records associated with the alleged 'loan agreement 3. Evidence of " Allodial Title '' or " Aboriginal Title '' to the property a. with geographic coordinates XXXX North latitude, XXXX West longitude correspond to and are equivalent with the following street address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX [ No ZIP Code ], which would verify you and / or any of the stockholders of your foreign company GM Financial the parent entity of Cadillac Financial, to be the absolute owner of such property having the right to lease it and / or sell it ; and 4. The specific species that you are accepting as " payments '' for the alleged debt balance of XXXX : a. " All federal statutes, including XXXX XXXX. XXXX, must comply with the Constitution. No federal statute can be legally " '' superior '' '' to any part of the Constitution ''.

b. Federal Reserve Notes ( fiat currency ) under 31 U.S.C. 5103, are discriminating against the United States, Via Article 3 Section 3 of the U.S. Constitution, as well as Section 366.03 of the Florida Statutes. 
c. either gold and silver coin which is " the lawful money ( dollars ) used to pay a debt per Article 1, section 10, clause 1 of the Constitution for the United States of North America ; or XXXX. LEGAL FRAMEWORK - Both of our actions are governed by : 6. The U.S. Constitution, Article VI ( 6 ) ( Supremacy Clause ) - This Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  : I have accounts with them and on XX/XX/24 I requested the 1099c for the charge off account and I received copies of my account statements. And this message is what is on my credit and showing I owe a balance. 

Account was in dispute- now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor.

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 2024-12-20 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This account is not mine I asked for verification and validation letter and copy of contract that i authorized this account and was never sent this letter of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am writing to dispute inaccurate information contained in my consumer report provided by your company. As a XXXX  my information is protected under laws that safeguard against breaches of personal information, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.01 et seq. 

I am requesting the following corrections : XXXX. The late payments reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> were the result of a natural disaster ( severe storm ) that caused the city of XXXX to be shut down. Per the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), creditors are prohibited from reporting negative information that is the result of circumstances beyond the consumer 's control. Additionally, these late payments are over 6 years old and exceed the 4-year reporting limit under the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.05 ( a ). I am requesting these late payments be removed from my credit report. 
2. The charge-off accounts reported, including XXXX XXXX XXXX XXXX, do not have the required Form 1099-C, Cancellation of Debt, documentation from the creditors as mandated by the Internal Revenue Code, 26 U.S.C. 6050P. Without this documentation, the FCRA prohibits these charge-offs from being reported on my credit file. I am requesting these charge-off accounts be removed.

3. My full legal name is not the hyphenated version that is currently reported. Under the FCRA, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. The reporting of my name in an inaccurate format does not meet this standard, and I am requesting my name be updated to the proper legal name. No other variation is accepted. Please investigate this matter and provide a response within the 30-day timeframe required under the FCRA, 15 U.S.C. 1681i ( a ).

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