vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: NY

Complaint narrative:
XX/XX/year> XXXX name : FMA Alliance , Ltd . 
File Number : XXXX Current Creditor Account Number : XXXX FMA Alliance , Ltd. XXXX XXXX XXXX. XXXX, TX XXXX Phone number : XXXX I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed and validation is requested. 

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assign this debt. 
If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I deposited my student loan to my husbands account because I do not have my own bank account. Fifth third apparently told the person Who is responsible for financial aod at my college was in contact with the bank for the past two weeks and told them that the funds were released but they werent. 
it has been about two weeks since we deposited the check and now they are not answering the phone for me, or my schools financial aid office. my schools Financial aid office has tried repeatedly to contact them, but they do not answer their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On the XXXX I had my phone stolen by a man following us he saw I had opened banking apps. He stole my phone ran transferred money from my bank to 2 apps open XXXX and XXXX XXXX then to himself. The police recovered it while charges were pending and I placed a police report! I called the bank they promised me I would get my money back. They waited a month then after I did all the work to prove fraud! It was fraud Im on social security the bank manger promised me and even gave me XXXX $ back. Then they said they wouldnt help me. Took the XXXX $ back out XXXX older with XXXX kids. I never make charges they knew it was fraud now Im negative XXXX XXXX I have no money. Im XXXX and have nobody. Please please please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
Dear CFPB, I'm writing to dispute the unlawful collection practices of Jefferson Capital Systems LLC and request an investigation into their violations of federal law.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : Jefferson Capital Systems LLC has not provided validation information but has placed a collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I haven't been given the opportunity to dispute the account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Jefferson Capital Systems LLC has furnished information to consumer reporting agencies without providing required disclosures.

4. 12 CFR 1006.34 ( d ) : Jefferson Capital Systems LLC has used false, misleading, and deceptive means to collect the debt.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke all rights of Jefferson Capital Systems LLC to communicate with me through : - Phone calls- Text messages- Email Request for Purchase Agreement : I request a copy of the purchase agreement between Jefferson Capital Systems LLC and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-10-17 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: IN

Complaint narrative:
Good day! I am checking and sending a complaint to the bureau and company because the inaccurate reporting under my credit report has caused severe damage as a consumer. I have checked

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 2024-10-17 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: NC

Complaint narrative:
I am urgently requesting your immediate attention to a critical matter involving identity theft, which has resulted in multiple fraudulent accounts and unauthorized inquiries being added to my credit report without my knowledge or consent. 

Despite numerous attempts to resolve this issue directly with the credit reporting agencies, I have not received any satisfactory response or corrective action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now requesting the swift removal of these unauthorized items from my credit report. 

There are XXXX fraudulent accounts and XXXX unauthorized inquiries that must be removed immediately. These items are causing significant damage to my credit profile, and it is crucial that my credit report reflects only accurate and legitimate information, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

[ ACCOUNTS ] -XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES ] - XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to ensure these fraudulent items are removed and my credit report is restored to its accurate state. 

Thank you for your urgent attention to this matter. I look forward to a prompt resolution.

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 2024-10-17 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: PA

Complaint narrative:
RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, 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 2024-10-17 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: PA

Complaint narrative:
RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXX to XX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX XXXX XXXX side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates. 
Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX XXXX  confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX XXXX XXXX side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates.

Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX XXXXXXXX confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
See attachment. Transunion and XXXX have reported fraudulent inquiries on my credit report that I have no knowledge of. Please delete this unauthorized inquires.

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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ). 
Your legal authority to collect this information. 
Your legal authority to collect the alleged debt. 
Your authorization to operate in my state. 
Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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 need your assistance with the incorrect account appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your help. These accounts are being reported unfairly, and I want them removed.

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 2024-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: TX

Complaint narrative:
XXXX XXXX lease with check deposit and bank details submitted for online monthly payment. 
Funds were in the account ( I can prove that ). 
No emails received stating any default! The first I knew about it was a call on the XXXX of XXXX at which point I made the account current, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: OR

Complaint narrative:
I am writing to address a matter concerning my credit report and the reporting of my account information.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ), the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Therefore, I request that you update all late payments and any related transaction information on my credit report to reflect " paid as agreed. '' It is important for my credit history to accurately represent my financial responsibility and the status of my accounts. I believe that reflecting these payments as " paid as agreed '' will better align with the factual nature of my payment history.

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 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Send letters to verify with original contact. Company never complied.

Company response to consumer: Closed with non-monetary relief