vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MO

Complaint narrative:
I XXXX XXXX, asking for verification and validation on this collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/2023 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor : XXXX XXXX  XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/2023. The original creditor for this account is listed as XXXX XXXX XXXX. 


Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt. 
I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation.

2. Documentation proving that you are legally authorized to collect this debt.

3. Verification of the original creditor, XXXX XXXX XXXX. 


I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution. 


In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe. 


Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report. 
Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing has claimed that the proof of insurance I provided is insufficient due to the lack of walls-in verbiage and I believe this is clearly an error. 
RightPath Servicing has also claimed that there was an existing XXXX XXXX XXXX policy in place when the loan was transferred from XXXX XXXX XXXX ( Mr. Cooper ) to RightPath Servicing ( also Mr. Cooper ) but they were unable to learn the name of the insurance provider for this Forced Placed Insurance that I am completely unaware of. 

I am formally requesting all documents RightPath Servicing has relied on to determine and make the claims that : XXXX. My hazard insurance had expired XXXX. The proof of insurance sent by the borrower was insufficient to satisfy the lenders requirement XXXX. That Forced Placed Insurance was in place prior to the transfer from Mr. Cooper to Mr. Cooper but RightPath Servicing was unable to obtain the name of the insurance provider XXXX. That the requirement to provide type of hazard insurance in the first and second notices has been met by simply stating hazard insurance. Where in the XXXX XXXX XXXX XXXX or the CFPB does it state the verbiage ( RightPath Servicing ) used in the first and second notices meet the type of hazard insurance requirement? 
XXXX. That the verbiage within the boundaries of the units and additions, alterations and installations found in the proof of insurance I provided does not satisfy walls-in and betterments and improvements verbiage claimed to be required by RightPath Servicing XXXX XXXX That RightPath Servicing was permitted to report my mortgage payment status to credit bureaus while notices of error were pending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: CA

Complaint narrative:
I traded a car at XXXX XXXX years ago and traded it for another car at the same dealer ship and they were to pay the the one I traded off but I have XXXX  tied to get them to correct this on my credit report it still shows inhave a XXXX, XXXX loan out whe it should be closed and marked as paid I have reached out to XXXX they are willing to help its expire and that is giveing me the problem they have computers who make choices for them

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all 3 bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account.

2 ) Closed Date is all wrong between all 3 bureaus. 
Trans Union Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
XXXX does not show a closed date but shows the account as late until XXXX XXXX XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

XXXX ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for XXXX. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all XXXX bureaus. 
XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account. 

2 ) Closed Date is all wrong between all 3 bureaus. 
XXXX XXXX Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
XXXX does not show a closed date but shows the account as late until XXXX Equifax XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

3 ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for XXXX. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and XXXX, Transunion and XXXX destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.

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 2023-11-05 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:
An XXXX XXXX in XXXX XXXX is on my credit report for saying that I owe XXXX XXXX $ and this is bull I was liveing at XXXX diff places during this time frame I made a police report and submitted to expire an and have disputed this over and over again with no help from expire and I have followed all proper protocol sent all the forms they have requested with no help

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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I XXXX XXXX, is asking for verification, and validation from this collect agency about this account that i have no knowledge of during business with or sign any documents with.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I traded a car at Mercedes two years ago and traded it for another car at the same dealer ship and they were to pay the the one I traded off but I have TT tied to get them to correct this on my credit report it still shows inhave a XXXX XXXX  loan out whe it should be closed and marked as paid I have reached out to Mercedes they are willing to help its expire and that is giveing me the problem they have computers who make choices for them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased a car through a scam company XXXX XXXX XXXX XXXX XXXX which informed me that XXXX is their parent company and I should send {$20.00} XXXX via wire transfer to their account # XXXX at Wells Fargo. I never received the car and can no longer contact the seller. Wells Fargo opened multiple cases and concluded with we can not refund your money with no explanation other than the money is not in their account any longer. I disagreed and they opened a new cases resulting in the same conclusion. I also contacted the Office Of The Comptroller Of The Currency ( OCC ) concurrently. The OCC agrees with Wells Fargo citing the money is gone. They mentioned the XXXX which I don't understand since this is a consumer transaction. I also contacted my local police, The New York Attorney General, The Federal Trade Commission and the XXXX Florida police to no avail. 

Wells Fargo opened a fraudulent wire transfer account without proper due diligence and I believe I should be refunded since I relied on their reputation in sending the funds. Wells Fargo provided no information on the extent of their investigation and why they reached their conclusion other than the funds are gone. By opening these fraudulent accounts Wells Fargo is facilitating consumer scams. I can not believe that Wells Fargo can open a fraudulent wire transfer account that hurts consumers with impunity. I am over XXXX XXXX XXXX and was not worried wiring funds to a WellsFargo customer. 

Any help your fine XXXX XXXX can give to recover my funds will be greatly appreciated. 

Best regards, 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 2023-11-05 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: FL

Complaint narrative:
I have submitted several disputes to two major credit reporting bureaus ( Experian/XXXX  ) in regards to my XXXXXXXX XXXX account and the numerous inconsistencies and discrepancies in their reporting. I have requested for each to provide the method of verification used to determine the validity and verification of the account and all I receive in return are notifications stating the account has either been updated or verified as accurate. If this is one account is reporting " accurate '' information to all 3 bureaus, the information reported should be consistent and match across all 3 bureaus. To date, Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$200.00}. Experian is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Experian is reporting date of last payment as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. XXXX is also reporting a {$0.00} credit limit. Experian is reporting a {$200.00} credit limit. Experian is reporting XX/XX/XXXX payment history as " paid ''. XXXX is reporting XX/XX/XXXX payment history as 30 days late. The amount of errors being reported as verified and accurate is astounding! I am entitled to a fair and accurate credit report. The way the Experian and XXXX disregards or fail to acknowledge the inaccuracies here in regards to my requests and disputes are enraging. I have requested method of verification or complete deletion from my credit file and to date I have received neither.

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 2023-11-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a complaint on XXXX requesting that fraudulent inaccurate accounts be removed from my credit report and i have not yet heard back from anyone regarding the status of deleting them from my 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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On 2 occasions this company collected my payment related to the balance on my account and refused to apply the funds to my available balance. This second time the deceptive business practice caused me to miss other payments made from this account to other merchants. Again I made payments on the account and have had to call the customer support agent - 5 days after my payment posted - in order to get the credit on my account for the payment. This is an unfair and deceptive business practice. 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 2023-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got my social security number in XX/XX/2023. I try to login to XXXX XXXX and my information in XXXX XXXX said that it did not belong to me, I tried to open an account in Capital One but I couldn't open it. I think someone else is using my social number, I need my social to work and build my credit. I can submit proof of my social and my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One- Platinum credit card reported to all Three Credit Bureaus On XX/XX/2023, {$75.00} of none payment due financial hardship Im highly impacted by the creditors decision. However The law Reporting act XXXX Account # XXXX, has violated my rights 15 USC has 1681 section 602 states I have the rights to privacy 15 USC 1681 section 602 A it also states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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:
the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit

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 2023-11-05 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: TX

Complaint narrative:
the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
I have submitted several disputes to two major credit reporting bureaus ( XXXX/Equifax ) in regards to my XXXXXXXX XXXX account and the numerous inconsistencies and discrepancies in their reporting. I have requested for each to provide the method of verification used to determine the validity and verification of the account and all I receive in return are notifications stating the account has either been updated or verified as accurate. If this is one account is reporting " accurate '' information to all 3 bureaus, the information reported should be consistent and match across all XXXX bureaus. To date, XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$200.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Equifax is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXX. Equifax is also reporting a {$0.00} credit limit. XXXX is reporting a {$200.00} credit limit. XXXX is reporting XX/XX/XXXX payment history as " paid ''. Equifax is reporting XX/XX/XXXX payment history as 30 days late. The amount of errors being reported as verified and accurate is astounding! I am entitled to a fair and accurate credit report. The way the XXXX and Equifax disregards or fail to acknowledge the inaccuracies here in regards to my requests and disputes are enraging. I have requested method of verification or complete deletion from my credit file and to date I have received neither.

Company response to consumer: Closed with non-monetary relief