vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( Velocity Investments LLC ) regarding their attempts to collect a debt associated with XXXX XXXX ( account ending in XXXX ). Despite my request for debt validation, including but not limited to documentation of assignment or ownership of the debt, itemized account statements, and legal proof of their right to collect, XXXX XXXX XXXX XXXX ( Velocity Investments LLC ) has failed to comply. 
Additionally, I believe XXXX XXXX XXXX XXXX ( Velocity Investments LLC ) has violated the Gramm-Leach-Bliley Act ( GLBA ) under 15 USC 6801 and 15 USC 6802, which mandate the protection of my nonpublic personal information ( NPI ) and prohibit its misuse or disclosure without proper authorization. Given these obligations, I suspect my financial information may have been improperly handled or shared during this process, particularly in connection with a charged-off debt. 
Further, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), establishes the requirement for XXXX to provide clear and complete documentation of their legal standing, which XXXX XXXX XXXX XXXX ( Velocity Investments LLC ) has not done. 
I respectfully request the CFPBs assistance in ensuring XXXX XXXX XXXX XXXX ( Velocity Investments LLC ) : 1. Produces proof of assignment or ownership of the debt, a signed original contract, itemized account statements, and an explanation of their legal right to collect this charged-off debt. 
2. Demonstrates compliance with the privacy and safeguard provisions under GLBA, including ensuring that my financial information has been adequately protected and not improperly disclosed or mishandled.

3. Ceases all collection activityincluding reporting to credit bureausuntil this matter is resolved. 
Please assist me in compelling XXXX XXXX XXXX XXXX ( Velocity Investments LLC ) to provide the necessary documentation or cease further collection efforts. 

Thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax. This request is based on the recent deletion of the account by XXXX, one of the four major credit reporting agencies. I recently disputed two charge-offs {$44000.00} from XXXX XXXX and {$9600.00} from XXXX XXXX XXXXlisted on my XXXX report. After a thorough investigation, XXXX has completely removed these unverifiable debts from my report as of XX/XX/scrub>/2025. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies are required to ensure that the information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after determining it to be unverifiable, I respectfully request that you take similar action and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has removed this account, I urge you to take similar action. 

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that information suppliers report only complete and accurate information. As XXXX has deemed this information unverifiable, I strongly encourage you to align your records accordingly. 

Please confirm the removal of this account within 30 days of receiving this request. If the account is not removed, I will be prepared to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under the Fair Credit Reporting Act ( FCRA ), specifically Section 616 ( 15 U.S.C. 1681n ) for willful non-compliance and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts the integrity of my credit report. Please notify me in writing once the deletion has been processed.

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax. This request is based on the recent deletion of the account by XXXX, one of the four major credit reporting agencies. I recently disputed two charge-offs {$44000.00} from XXXX XXXX and {$9600.00} from XXXX XXXX XXXXlisted on my XXXX report. After a thorough investigation, XXXX has completely removed these unverifiable debts from my report as of XX/XX/scrub>/2025. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies are required to ensure that the information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after determining it to be unverifiable, I respectfully request that you take similar action and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has removed this account, I urge you to take similar action. 

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that information suppliers report only complete and accurate information. As XXXX has deemed this information unverifiable, I strongly encourage you to align your records accordingly. 

Please confirm the removal of this account within 30 days of receiving this request. If the account is not removed, I will be prepared to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under the Fair Credit Reporting Act ( FCRA ), specifically Section 616 ( 15 U.S.C. 1681n ) for willful non-compliance and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts the integrity of my credit report. Please notify me in writing once the deletion has been processed.

Thank you for your immediate attention to this request. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX For them to release my medical information to a party. I am aware that the HIPAA does allow for limited information about me But anything more is to only be revealed with the patient authorization. Therefore my request is twofold- Validation of debt and hipaa authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-02 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:
This company XXXX XXXX refuses to remove the debt from my Credit report from all three credit bureaus I took it upon myself to call them up and pay the debt I asked for a promised letter which they provided, and they refused to delete off my credit report from all three major credit bureaus

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX # XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — FHA 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: TX

Complaint narrative:
On XX/XX/XXXX I paid half of my XXXX mortgage payment and set up a future payment for the other half to be paid on XX/XX/XXXX. On XX/XX/XXXX when I was paid, I forgot about having set up the other half payment and set up a second payment. Both payments were processed through my bank, XXXX, and my account went negative. I was then charged NSF fees, which have since been waived by XXXX. I contacted Mr. Cooper via their chat portal to request a refund of the second half payment made in XX/XX/XXXX. The agent requested that I send a screenshot of my banking account to his supervisor, who ended up being a team lead. The team lead informed me that since my account was negative, and the payment hadnt processed ( it had, she didnt know how to read a statement ), that they could not issue a refund. I contacted Mr. Cooper escalations who asked me to call a number where someone could conference in my bank and confirm the payment posted. The number did not work and their phone system disconnected my call. I have an issue with them not protecting my PII, as I dont know what will happen to my bank information now, and I ah e an issue with no one trying to understand the issue and help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account openedXXXX Amount owed : {$180.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} 3. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$3000.00} 4. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$5900.00} 5. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1200.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account openedXXXX Amount owed : {$180.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} 3. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$3000.00} 4. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$5900.00} 5. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1200.00} Inquiries Account name : XXXX XXXX Account Opened : XX/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