vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX Central Portfolio Control placed a negative charge on my credit report for {$7000.00}. This company never contacted me via phone, mail or email. This company attempted to this earlier this year against my mom, same tactics no call, no mail nothing they just placed a debt on a credit report to cause wanton damage. 
They state they represent a former landlord. 
In XX/XX/XXXX, I went to an eviction hearing with said landlord, XXXX XXXX XXXX in which I paid the past due rent and the landlord 's attorney drafted an agreement that I was to vacate the property by XX/XX/XXXX. I vacated the property XX/XX/XXXX despite efforts by the landlords super to hold me XXXX and make threats against me and intimidate me. 
The court agreement is very clear. As long as I vacated the property the landlord could not pursue further past due rent or damages unless they went through small claims court. This agreement was witnessed by the court clerk and signed by me, the clerk and the landlord 's attorney. There is no wiggle room. 
They did not attempt to pursue this in small claims court. There is no court hearing or judgment against me. They and this debt collector are in violation of a court order. 

I do not live in XXXX anymore, all my mail is forwarded, the landlord has my contact information as does their attorney. 
This is now XX/XX/XXXX, 9 months after that hearing and all of a sudden the landlord and this debt collector want money? This does not take 9 months. 
In speaking with the XXXX XXXX XXXX XXXX this was confirmed to me since they also read the court order from XX/XX/XXXX. 

This is an illegal action and is considered fraud and is being pursued as such and now i have to pursue an attempted XXXX  charge against the super since these people will not leave me alone, my mom just died and I am not in the mood to be harassed by people who feel they are above the law for the record I am also broke and my mom had no estate there is no money. I never received any contact from the landlord, or this debt collector. They have my information especially due to the issue with my mom. They did not follow the debt collection laws at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 2024-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
In XX/XX/year>, I refinanced my student loan with SoFi, under a promotional offer that promised a {$500.00} bonus if I refinanced more than {$100000.00}. After two months of waiting and not receiving the bonus, I contacted SoFi on XX/XX/year>. At that time, SoFi confirmed in writing that I had completed all the necessary steps and that I would receive the bonus within XXXX business days. 

Despite this confirmation, I did not receive the bonus, and I contacted SoFi multiple times after that. Each time, I was given inconsistent responses, including on XX/XX/year>, when I was informed that a ticket had been submitted for my case. However, no clear resolution or bonus has been provided. 

In late XXXX, I contacted SoFi again, and this time I received a completely different response. I was told for the first time that I needed to complete a W-9 form, something that had never been mentioned in any of the previous communications. I immediately completed and submitted the form, but I have still not received the bonus. The delays, miscommunication, and failure to deliver the promised bonus have been highly frustrating. 

I am seeking immediate resolution and fulfillment of the {$500.00} bonus that was part of the original offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Former : XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address XXXX es XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
XXXX Subject : Cease and Desist Request Incorrect Credit Reporting Dear Sir/Madam , I am writing to formally request if you can write a cease and desist to the below creditors from reporting inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported on my credit file. 

I have noticed the following erroneous items on my credit report : CKS Prime Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are inaccurately reporting information on my credit report. 
These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear on my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file. 

Please be aware that continuing to report false information can have legal repercussions under the FCRA, including potential lawsuits and penalties. I trust you will act promptly to correct this issue. Please confirm, in writing, that the above-mentioned items have been corrected and will no longer be reported. 

. 

Thank you for your immediate 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Called Experian Credit reporting agency numerous amount of times to get an inaccurate address removed. The address is a non mailable address and I do not reside in. However, the credit report agency refused to remove. I have also proof that it is inaccurate based on It not being on other credit reports from another agency ( XXXX ). It simply does not match my transunion or XXXX credit file and report. I have asked this reporting agency to remove a numerous amount of times via phone thru customer service please have the address removed so it can match my transunion and XXXX credit file and report. Please review 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
To the Consumer Financial Protection Bureau, I am reaching out to express my frustration and concern regarding Wells Fargo 's handling of disputed charges on my account, which I believe fails to comply with federal policy standards for consumer protections in claims and charge disputes. 

On XX/XX/2024, I contacted Wells Fargo to report irregular charges on my account. Given that I primarily use this account for transferring funds to myself through XXXX XXXX and for paying individuals working on my home, I had not noticed these unauthorized charges until recently. Upon discovering them, I immediately contacted the bank, had the card deactivated, and attempted to initiate a dispute. 

Throughout this interaction, I observed a dismissive attitude from the claims department. They did not initially provide me with a claims number or information about obtaining a replacement card. I had to call again on XX/XX/XXXX to receive this information, and I was informed a week later that my case had been assigned to a case manager. Then, on XX/XX/XXXX, I was notified that the claim had been closed. When I asked for the reasoning behind this decision, I was told I would receive a written explanation by mail. 

The total disputed charges amount to {$4800.00}, claim number Claim # XXXX yet not all charges were included in the claim. Wells Fargo divided the claim into XXXX parts, totaling {$260.00} and {$530.00} respectively, which remain open without resolution since XX/XX/XXXX. Despite clear evidence that I did not make these charges, and despite the fact that they deviate from my usual spending patterns, the claim was dismissed without a thorough investigation. 
I am seeking assistance in this matter, as I believe Wells Fargos response has been inadequate and inconsistent with federal consumer protection guidelines. 

Thank you for your attention to this issue. 

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 monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Dispute of Late Payment XXXX XXXX XXXX ( Account # XXXX ) Dear XXXX Team, I am writing to formally dispute the late payment reported for my account with XXXX XXXX XXXX, account number XXXX. While this account is marked as paid and closed, I have noticed that it reflects a derogatory late payment status of 60 days. 

**Points of Dispute : XXXX XXXX XXXXLate Payment Accuracy** : The record indicates a late payment status, with the last reported activity dated XX/XX/year>. I believe this late payment is inaccurate based on my payment history and the account being paid in full. I respectfully request verification of the alleged late payment, including any documentation that supports this claim. 

XXXX. XXXXImpact on XXXX XXXX : This late payment adversely affects my credit score and my ability to obtain favorable credit opportunities. Given that this account is closed and paid, it is my request that any negative reporting be reconsidered. 

XXXX. **Request for Investigation** : Under the Fair Credit Reporting Act, I request that you thoroughly investigate this matter. If you can not provide adequate verification for the late payment, please remove it from my credit report. 

Please send me written confirmation of the results of your investigation and any updates made to my credit report. 

Thank you for your attention to this matter.

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I recieved a call from Goldman Sachs regarding my apple card which has been closed for XXXX years. They said I have an unpaid balance of {$240.00}, I told them I have no balance and the card has been closed for years. they told me when I got the card I agreed to pay any unpaid charges even after the card is closed. I told them I never had a remaining balance. I called them the next day to get more information before their claim damages my credit, asking them what the charge was for. They said it was for a return I made which I explained to them that I made no return and in fact that would result in them owing me money. The representative looked through all my records and could not find any purchases or returns, and told me he would file a " ticket '' to investigate, following with saying, he hopes they foloow up on this quickly because it could end badly with being turned over to collections. On top of this " scam like '' time consuming threat to me, I think of how many others may be frightened into just paying it. I should not be required by Goldman Sachs to prove to them I don't owe them anything. 

I am unable to provide my Apple credit card number because I have not had it for several years.

Company response to consumer: Closed with monetary relief