vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
I am writing to formally protest the actions taken by your firm, which I believe are in direct violation of my consumer rights, including my right to privacy, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Specifically, I assert that your firm has engaged in the following unlawful practices : 1. False or Misleading Representations : By implying that you are acting as both an attorney and a debt collector, you have misled me as a consumer. This is a violation of 15 U.S.C. 1692e. 
2. Unfair Practices : Your firm has violated 15 U.S.C. 1692f by sending me mail by postcard without allowing me to dispute the accuracy of the alleged debt. This practice is both unfair and deceptive. 
3. Defamation of Character : Your actions have caused significant harm to my reputation. By placing a judgment against me without proper verification, you have defamed my character. 
4. Violation of the Right to Privacy : Your actions have also violated my right to privacy. By collecting, disseminating, and advertising my personal information without my consent, you have infringed on my fundamental rights. 
XXXX. Suing Without Proper Dispute : Your firm has sued me without allowing me to properly dispute the alleged debt. This action is both unfair and a violation of my consumer rights. I have yet to receive notice of the lawsuit. I did receive a notice from another company to help me with this lawsuit that you all have against me. 
Furthermore, I wish to reiterate that I have never assumed the alleged debt. Any previous communication regarding this matter was solely to dispute the accuracy of the account and to assert my right to privacy. 
I would like to remind you that XXXX XXXX XXXX, XXXX. has a binding arbitration clause in its terms and conditions. This clause requires that any disputes between the bank and its customers be resolved through arbitration rather than litigation. As such, any legal action taken by your firm against me should be subject to this arbitration agreement. 
I demand that you cease and desist from all further communication regarding this matter. Additionally, I request that you remove any negative information related to this alleged debt from my credit report. 
If you fail to comply with this demand, I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,

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 2024-08-28 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1000.00}, XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00}

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 2024-08-28 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1000.00}, XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$910.00} XXXX XXXX XXXX Bank XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NJ

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX and 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 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX Bank XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year> This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( EQUIFAX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX Balance : {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that this matter is permanently closed. Your continued silence is unacceptable. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can not obtain housing due to the violations on my credit file. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$0.00}

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 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:
In the 2nd to XXXX XXXX XXXX XXXXXXXX I contacted the CFPB because experian Has inaccuracies on my credit report reguarding XXXXXXXX XXXX  which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Statebridge Company
State: MO

Complaint narrative:
I am reaching out regarding a zombie mortgage foreclosure proceeding on a deed of trust that hasnt been enforced for well over a decade.Ive been subjected to what I believe to be intimidation and illegal debt collection activity by Statebridge Mortgage XXXX and their client XXXX XXXX 

Ive been locked out of the subject property since XX/XX/year> as a result of preservation services by XXXX at the direction of Statebridge. Many of the building materials I used were removed and windows were also broken. Statebridge trespassed and has no entitlement to the property as the deed of trust they claim to service was stripped via a quiet title action ( XXXX XXXX XXXX XXXX XXXX  ) XXXX 

Ive sent various forms of communication to Statebridge indicating they have trespassed and that the property wasnt vacant and no preservation services were required. Statebridge has refused to respond to my communications and the property remains locked as of the time of this writing. 

XXXX XXXX refuses to acknowledge Statebridge as their mortgage servicer and denies any knowledge of the property being rekeyed. 

We also dont believe Statebridge has operated in good faith. They have intentionally provided incorrect information regarding payoffs and loan ownership entity information. 

We also suspect that there have been XXXX and RESPA violations for failure to notify the owner of change of note ownership, status of the loan, and other matters, for years. 

XXXX is seeking over {$50000.00} in accrued interest and fees which we believe to be in violation of the XXXX periodic statement rule

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: VA

Complaint narrative:
General revenue is the collection agency that has reached out to me via telephone identifying themselves as a collection agency. I do not have an account with this collection agency. Therefore, I have asked them to deceased with contacting me until they can provide a validation letter of the this debt owed to General Revenue with my signature. As of yet, I do not have verification of this collection information and the collection agency failed to follow the FCRA federal laws. This collection agency is only reporting to one credit bureau XXXX, and XXXX for XXXX and XXXX. Therefore, the information is inaccurate. I am requesting a immediate removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$18000.00}

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 2024-08-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The bank has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the account after the bank recognized the inaccuracy of the account. I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

XXXX XXXXXXXX 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 2024-08-28 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Account name : XXXX Account number : XXXX Account charged off. {$460.00} written off. 

Account name : XXXX Account number : XXXX Account charged off. {$990.00} written off. 

Exact wording used when disputing with XXXX : " These XXXX are charged off accounts, if this account was indeed charged off. I did not receive a copy of a 1099c from the creditor. They received a tax write off and this debt should not be reported on my profile. Send me any forms are documents showing that you have the right to report this as debt, if you can not REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. " Steps I took : Asked creditor to send me any forms are documents showing that you have the right to report this as debt, if you can not REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation