vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I received my credit report on XX/XX/scrub> 2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX has violated my rights. 15 U.S. C 1681 section 602 A.

States I have the right to privacy. 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.

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 2024-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
I received a debt collection notice from Linebarger Goggan Blair & Sampson in connection with a XX/XX/year> parking ticket. The violation apparently occurred with XXXX XXXX XXXX who controls parking in XXXX, North Carolina. On the specified date, I was cleaning my home and going to the county recycling center on XXXX XXXX. At no point did I park anywhere else other than my home. 
I researched XXXX XXXX XXXX and found multiple complaints of fraud from individuals who have received similar notifications in different states. Each time they pressed the matter XXXX XXXX withdrew the complaint. I should add this is the first that I have heard of this and that it seems unusual for a parking ticket to be referred to collections in such a short time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Mobiloans, LLC
State: FL

Complaint narrative:
Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below.

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance.

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus.

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report.

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-08-21 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: DISCOVER BANK
State: CT

Complaint narrative:
I have tried to dispute with them XXXX XXXX XXXX  asking me for my dl XXXX ssc which of course did not give them out asked for a contract or any binding information to the account never was written back so i ASKED THE CREDIT AGENCIES AND there reply was the crditor verified as mine or accourate so I called back again and when finally got to supervisor XXXX stated the account is ider default and I will have to make a payment on it I told her I was a victim of identity theft she stated to send the FTC did and nothing they still say its mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: KY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX  NUmber account : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.

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 2024-08-21 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: GA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: GA

Complaint narrative:
I was called by Vance and Huff and the lady that contacted me when I asked her what she needed to would not tell me and stated she will tell them to move forward. Very rude and dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My cryptocurrency account was hacked and cryptocurrency was stolen from my account at Coinbase. This occurred on XXXX. I was originally locked out of my account in XXXX of XXXX after they supposedly suspected fraud. I received a suspicious email and at some point ( I believe in XXXX ) I called because I could not gain access to my account and was assured everything was still fine with the account. I was very ill in XXXX and was hospitalized in later XXXX and then again in the late fall of XXXX. My health issue took over and I did not pursue the problem at Coinbase, thinking that my account was intact. On XX/XX/XXXX I had a friend help me with the problem of accessing my account. At that point, I was able to get a printed transaction history showing withdrawals of essentially all of the crypto which was worth over {$20000.00}. My friend and I spent over 3 hours on the phone while Coinbase tried to look at this. We were passed off to different people several times and I received no satisfaction that they would attempt to help me or reimburse me for any portion of the loss. They made security very difficult for me to prove who I was, but apparently allowed someone to access my account with little protection for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC reported to my credit a debt of {$630.00}. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ) .All forms of communication should be stopped and ceased through all mediums mail, electronic, phone calls and credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter regarding 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 have 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 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me and. If not resolved, I will sue for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: VA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I been XXXX out to this company for over a year now an they are refusing to communicate With My Mail Notices to this company. I need them to validate this debt That I Owe! Punishing borrowers with repossessions : Credit Acceptance Corp demanded borrowers pay for coverage they did not need or else face delinquency, additional fees, and repossessions. Credit Acceptance Corp conducted repossessions of vehicles when the delinquency was caused by the bank charging unnecessary and duplicative coverage. XXXX XXXX XXXX XXXX is where I got the vehicle from has refuse to give me Bank information on My Retail installment Contract tell me my bank is Credit Acceptance Corp an that is inaccurate! I been scam Into a XXXX XXXX XXXX XXXX XXXX! An XXXX Initials Are Invalid On this contract! illegally loading up auto loan bills with excessive charges, with almost XXXX of families losing their cars to repossession! Out in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT ACCEPTANCE CORP has XXXX XXXX XXXX and charged illegal fees by forcing loan borrowers into unnecessary and duplicative coverage policies! I had got A letter from credit Acceptance corp asking for XXXX or XXXX XXXX, I had reach out asking for the XXXX XXXX XXXX XXXX an This company Refuse to Comply and tell me they don't except Bond Only Cash when they stated it in the Letter! Giving me a hard time to setoff this debt to the XXXX XXXX XXXX XXXXXXXX XXXX! Also they Use My Name on my SSN # an so I know in Fact They are Using My Account To Pull CREDIT! I never Gave them A Middle Name Only First An last Only! Also the Purchase Price Don't Match My XXXX PURCHASE PRICE! Also the contract Dont Give Full disclosure Of the State Of 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 monetary relief
Consumer complaint received 2024-08-21 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Base on, 15 U.S Code $ 1681c-2 a consumer report agency shall block the reporting of any information in the file of a consumer, that the consumer identifies as information that result from an alleged identity theft.

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 I am requesting for the original copy of the agreement, term and condition. Failure to comply with forfeit yours claims and will require you delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below.

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance.

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus.

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief