vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
First and foremost let me say i love capital one, everyone in my family is a capital one card holder, so this is more of a request for a correction to the reporting. Currently, theres a late payment showing for XX/XX/year>. I expressed to the represnetative that i experienced a hardship during the month of XXXX, and i asked for a goodwill removal of the late remark. The representative advised me that they were going to make the correction and to allow XXXX XXXXXXXX for the correction to reflect. As of now i havent seen a modification to my report. Once again im not complaining about the company i love and appreciate my capital one card. Im just asking for consideration and a removal of the late remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/2024 I sent a certified return receipt letter ( receipt from recipient received= wherein I requested a debt validation to Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My requested consisted of the specific following items : *A copy of the written agreement or XXXX that created original requirement to pay, if it was counter-signed and dated? 
*If they are asking that I pay a debt that somebody else is or was required to pay, to identify that person. 
*Provide verification and documentation about why this is a debt that I am required to pay. 
*Any and all documentation of the lease agreement that was contingent upon a guarantor signature which would have been required of me due to lack of credit history ( see XXXX credit report did XX/XX/2024 ). 

I received a letter dated XX/XX/2024 from the collection agency which included a validation of debt with XXXX XXXX XXXX, and XXXX of move out charges. 

I have a copy of my credit report from XXXX that shows I have no credit history. It also shows that I have reported the account to CFPB, which I have not. 

There was a separate complaint completed by XXXX XXXX in XX/XX/2024 to CFPB wherein she requested proof of debt. The company response was that XXXX XXXX was released from the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contact XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$840.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of outdated charge-off accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Sections 605 and 607. According to FCRA guidelines, negative information, such as charge-offs, should not be reported after seven years from the date of the first delinquency. I recently reviewed my credit report and noticed that several charge-off accounts are still being reported despite being over seven years old. The details of these accounts are as follows : Account Name : 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 XXXXXX/XX/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 2024-07-21 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: TX

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Pleased remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
An account was set up in my name thru Affirm, I had never even heard of this company until it showed up as multiple delinquent loans thru Affirm that was an alert from XXXX XXXX lowering my credit score significantly. When I contacted the company to find out what was going on I was told my account ( the account I never opened ) was delinquent and there are multiple loans from various goods /products purchased from XXXX XXXX XXXX XXXX that have never been paid. I went online & filed the report requesting a fraud investigation and was told 5 days I would get some communications from their fraud dept. I never received anything so I called back the next week again same run around. I finally got a rep from Affirm to confirm with me the address where the goods/ products were shipped to along with the phone number used to open the account and told them who the individual was ( my ex wife opened the account and intentionally did this after our divorce ) I asked for documentation to this effect so I can file charges against her for identity theft & fraud and they have yet to give me a status of the investigation or provide me with anything to use to file a police report. In the meantime they continue to make derogatory remarks to the credit bureaus and it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION LLC CUSTOMER SOCIAL SECURITY NUMBER XXXX CUSTOMER DATE OF BIRTH XX/XX/scrub>XXXX CUSTOMER NAME 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 2024-07-21 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:
I sent in a letter regarding two accounts on my credit report that are allegedly past due and negatively reporting on my report, which was not approved by me or opened up by me I also submitted my documentation from the commissioners office in my state which is New York because at the time of the alleged debt/ account opening I was XXXX  and XXXX XXXX XXXX So I made sure to reach out to The state commissioner until I got a response and they wrote a letter regarding my XXXX and that those debt could definitely not be 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX - {$51.00} XXXX - {$61.00} XXXX {$790.00} All accounts are paid off an need to be removed Ive called email an written a letter too have removed an nothing keep be reported this is incorrect it needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : MARINER FINANCE , LLC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, equifax, and XXXX are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, XXXX, and experience are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable information.

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 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I contact LVNV Funding, LLC XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$420.00}. 

And on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the account # XXXX in the amount of {$740.00}. These letters were requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-21 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:
This account was charged off on the following date : XX/XX/year> Since then the account had repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include active payment history. This inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after i asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXXXXXX Account 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 explanation
Consumer complaint received 2024-07-21 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: OK

Complaint narrative:
I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXX XXXX. XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX  number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud.

I urge you to rectify this issue immediately by removing these defaults from my credit score. 


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 2024-07-21 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: OK

Complaint narrative:
I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXXXXXX XXXX XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud. 

I urge you to rectify this issue immediately by removing these defaults from my credit score. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: OK

Complaint narrative:
I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXX XXXX XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX, number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud. 

I urge you to rectify this issue immediately by removing these defaults from my XXXX XXXX. 


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 2024-07-21 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: FL

Complaint narrative:
Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXXXXXX XXXX XXXX XXXX  and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.

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 2024-07-21 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: FL

Complaint narrative:
Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX  and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.

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