vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my consumer file, which constitutes a clear violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, and other applicable laws.

Under 15 U.S.C. 1681a, 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 public confidence, which is essential to the continued functioning of the banking system. The inaccuracies present in my consumer report directly violate 15 U.S.C. 1681s-2, which prohibits the furnishing of information with actual knowledge of errors. The information being reported undermines the integrity of the banking system and harms my financial standing. As such, I demand the following actions be taken : I am formally requesting that your organization cease and desist all communications regarding this matter, including through the medium of my consumer reports. My account details are as follows : Account Holder Name : XXXXXXXX XXXX XXXXXXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, XXXX, OH XXXX RTN/Account Number : XXXX / XXXX Any continued communication or reporting of inaccurate information will be deemed a violation under the FCRA and the FDCPA and will result in civil action against your organization. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies to enforce my rights in pursuance of 15 U.S.C. 1692k and 15 U.S.C. 1681n. This includes filing formal complaints with the CFPB, the FTC, and potentially seeking damages through litigation.

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to resolve 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 2024-12-02 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:
Equifax, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXXXXXX XXXX XXXX XXXX XXXXXXXX in The XXXX XXXX XXXX XXXX. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Equifax credit report. Please delete ALL of the Following : XXXX XXXX XXXX {$3700.00} Note : This is a Charge Off That still Reports Late Monthly Payments, a Direct violation Pursuant FCRA & XXXX Compliant!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-02 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-02 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: NV

Complaint narrative:
Identity theft. I have supplied police report, FTC report, passport and SS verification over 22 times through CFPB and Equifax. Please investigate without using AI or Metro reporting and secondary bureaus like XXXX XXXX XXXX XXXX XXXX Send me proof by mail on a through investigation. Which shows how this person signed up for these accounts proving that these accounts belong to me. This is my final warning before I take all of this to court and sue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Today as of XX/XX/year>, I have received a no caller Id from portfolio recovery. I asked who they were looking for and they keep asking me my name. I have been getting these anonymous calls for almost two years. I do not owe ANY debt to Portfolio Recovery Associates neither do I owe any debt to any companies that use portfolio. I am so READY to seek litigation because I keep getting harassed about debt that I do not owe. I have filed police reports for check fraud that someone used in my name. I am a victim of identity theft. Portfolio Recovery are scammers collecting debt. I don't even know how they keep getting my number. I change it every year just because they keep harassing me and I keep telling them that THEY ARE CALLING the WRONG person. If this issue is not resolved meaning accuracy on my credit report, I WILL SUE. This has to stop. They are getting sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I moved from XXXX XXXX two years ago, I never received an email or letter about the charge, in addition to being late in returning the deposit insurance and I sent a letter demanding it or I would have to go to court, then this year I received this supposed charge, this is unfair after all after two years that they come to say that I owe, this year I received an email and a call about this charge, I will seek justice to resolve this unfair charge. I do not know if XXXX XXXX is going through financial problems to come and charge this after years, something that when I moved they did not tell me and they did not even send me a letter of collection or email, only after 2 years.On top of that, they called me super rudely, because I don't speak XXXX and they insisted that I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Santander consumer XXXX Subject : Formal Dispute and Notification of Legal I am writing to formally dispute a negative item on my credit report that I believe to be inaccurate and in violation of federal laws under the Fair Credit Reporting Act ( FCRA ). I am also bringing to your attention your failure to comply with specific legal obligations as outlined in the following statutes : 1. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Regarding required disclosures for open-end consumer credit plans.

2. 15 U.S.C. 1681 Establishing consumer rights to ensure credit information is accurate and fairly reported.

3. 15 U.S.C. 1681s ( a ) ( 3 ) Requiring consumer reporting agencies to provide accurate and complete credit information.

4. 15 U.S.C. 1681e ( b ) Mandating that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 



The negative item in question is [ identify the account or item in dispute, including account number, creditor, or any relevant details ]. Based on the evidence I have provided, this item is either incorrect, unverifiable, or incomplete. 

Additionally, the following violations have occurred : 1. Failure to provide accurate reporting Under 15 U.S.C. 1681e ( b ), you are required to adopt reasonable measures to ensure the accuracy of the information you report. The inclusion of this inaccurate item demonstrates a breach of this obligation.

2. Failure to properly investigate disputes As required by 15 U.S.C. 1681s ( a ) ( 3 ), you must investigate disputed items thoroughly and accurately.

3. Failure to comply with required disclosures The reporting of this item may also violate disclosure requirements under 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ).

I request that you : 1. Immediately investigate the disputed item and provide me with a written explanation of your findings.

2. Remove or correct the negative item from my credit report if you can not verify its accuracy within the legally required timeframe.

3. Provide a written purchase agreement of your compliance with this request and confirmation of any changes made to my credit report.

Under the FCRA, you are obligated to respond to this dispute within 30 days of receipt. Please consider this letter my official notification. I have enclosed copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation.

Failure to address these issues may result in legal action, as I am prepared to enforce my rights under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, XXXX XXXX XXXX and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXX XXXX failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the XXXX, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, XXXX XXXXXXXX XXXX and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXX XXXX failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.

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 2024-12-02 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 PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-02 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-02 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I am writing to file a formal complaint regarding an alleged debt collection by XXXX, XXXX XXXX XXXX, XXXX. The collection agency has contacted me regarding an outstanding balance of {$5400.00}, which I believe is not my debt. 
I received a collection letter from XXXX, XXXX XXXX XXXX, XXXX. dated on XX/XX/year>, claiming that I owe the stated amount. I have no knowledge of this debt and do not believe that it is my responsibility. In response, I sent a written request to the collection agency for the following information : 1.A copy of the original contract or agreement bearing my signature. 
2.Payment History 3.Name and address of the original creditor 4.Proof of collection authorization The documents sent back in return still do not verify that this is my debt from XXXX, XXXX XXXX XXXX XXXXXXXX. I have also verified with my personal bank, that no such check has ever been deposited. I have no knowledge of requesting this personal loan. Despite my request, the collection efforts continue, which I find both concerning and unfair.

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 2024-12-02 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: Fig Tech Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Trans union has a freeze that I did not authorize and I can not login to its website.

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 2024-12-02 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: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation