vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required byfederal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. In the month of XX/XX/year> you mailed me a letter providing me only credit card statements and a partial bill of sale for the alleged debts below. This does not proof that you are legally allowed to collect on the alleged debts below.

Your companys continued reporting of this derogatory item will be considered willful non-compliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So, if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses. I need your company to provide me the following items below.

1. A copy of the original contract or the original ( FULL ) purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of owner ship must be from the original creditor to the current alleged owner without any break in the chain.

3. If any fees or interest have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the purchase agreement.

4. Proof that you are legally allowed to collect in the state of TEXAS. Including your third party debt collection bond.

5. Also send me proof that you sent the legally required notices to me before reporting these alleged debts to any consumer reporting agencies. Including copies of the original notice and any other letter tracking your firm maintains. Let me remind you of XXXX XXXX XXXXXXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumer rights!!

I demand the following accounts be verified and provide me the full purchase agreement on these alleged debts to proof that you can legally collect on these alleged debts that you put on my credit file. If you can not provide all this information I need you to remove them immediately from all credit reporting agencies. ( XXXX, XXXX, XXXX ) Portfolio Recovery # XXXX Portfolio recovery # XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion failure to adhere to identity theft victims. There are two fraudulent loans by XXXX XXXX XXXX  on my credit file. I have the right to request a block or deletion of these accounts, as a victim of fraud.TransUnion failure to address such a lapse in judgement cause me tremendous financial loss to my family. TransUnion failure to abide by the Federal Trade Commission Report is an internal structural catastrophic misunderstanding of the laws governing credit reporting. 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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Tinder of payment notice of claim to interest 1 attempt I XXXX XXXX. Here on behalf of XXXX XXXX principal. I hereby accept all titles. All Right. All interest. And guaranteed equity owed to principal XXXX XXXX. I hereby instruct CFO/ XXXX XXXX XXXX XXXX To apply principals balance to principals accounts # XXXX # XXXX # XXXX # XXXX. Each and every cycle for set-off. Please apply this tender of payment to the account within 5 business days after receipt of this notice. I also instruct CFO / XXXX XXXX XXXX to communicate through writing if there is any discrepancies within 5 business days. If no communication is made within 5 business days after receipt of notice. Then I can assume that the aforesaid instructions have been completed. XXXX XXXX XXXX XXXX/principal XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year> I was scammed out of alot of money. The owner of the dating website said if I didn't send the {$4000.00}, he was going to send hitmen after me and my family. Later on I found out it was a scammed and he's been doing this to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have had an account for some time with XXXX, it mostly sits idle to gain value. I received an email one day that my account was restricted due to suspicious activity, which seemed strange as I had had ZERO activity on my account for a couple months. They requested a couple documents from me and would return my account, per the email. So I sent the documents. Then almost a week later I received another email stating I needed to call them, I did an no one is available to take my call. I enter the cue on their app. It says 30 minutes. No one calls. I emailed back, again, they say they called and I didn't answer, to enter the cue again. No one ever called me! But I never the cue again, it says 30 minutes again. Over a DAY later I get another email saying they missed me on my call again. No, they absolutely never called. Each of these emails I requested over and over again to PLEASE just unlock my account so I can free my funds and place them somewhere safer. I get scripted emails back that say I must call or use the app to receive a call back, but I have attached my call log to show NO calls have come from them, I've been STUCK in the cue despite it telling me to join it again, and I've attempted multiple conversations via email as well. I just want to move my funds somewhere else. That's all at this point. I want nothing else in return from them, just what is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I accepted and paid an offer from your company to settle the account [ XXXX ] in full for 50.00 % of the balance owed. However, it has come to my attention that the debt is still being reported as unpaid to credit agencies. 

I would like the company to update my account status to reflect that the debt has been settled in full per the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: PA

Complaint narrative:
This account was charged off for the amount of {$220.00}. However kikoff has reported that his account as charged off on my consumer credit reports. I am requesting a copy of the 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
I saw high inquires on my credit report that I havent authorized, I need it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: DE

Complaint narrative:
My car was sold in auction. XXXX account number # XXXX is still reporting late payments to the credit bureaus, late payments, defaulted payments on a car that was sold, thats an error itself. And each bureaus has a different date of late payments. Theres so many errors and inaccuracies. Please have this account removed from my credit report. Its hendering me from purchasing a home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: OH

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 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a scam letter its not a real capital one letter. I do not have the credit card mentioned and its not the capital one phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
Its reported with all 3 credit agencies that the balance is Charged off as as reported as Profit and Loss with the IRS. However I have not received my 1099 to report as income. This account is reporting inaccurately as it should not be reported at all. I am requesting the 1099 filed and this account removed from my report across all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
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. 

XX/XX/XXXXXXXX, I looked at my Transuion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my credit report that's the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a apartment rental lease opened at XXXX XXXX on XX/XX/XXXX that resulted in a collection in the amount of {$4600.00} to XXXX XXXX XXXX, an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$26000.00}, a personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that resulted in a collection account with XXXX XXXX XXXX in the amount of {$3300.00}, another fraudulent personal loan at XXXX XXXX on XX/XX/XXXX, and lastly a phone loan from XXXX XXXX XXXX in XX/XX/XXXX that resulted in a collection with XXXX XXXX XXXX. These accounts have been the result of several fraudulent collection accounts appearing on my consumer FICO credit report. I do not recognize these accounts and collections as reported. The aforementioned accounts and collections showing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint report number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
XXXX- XXXX account # XXXX has been charged off, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer. and con file a 1099 C as well. United Auto Credit filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report.

The IRS states that a charge off is considered income and income is not reported on a consumer report therefore a creditor or financial institution is committing fraud. 

Furthermore XXXX XXXX XXXX XXXX XXXX is also committing fraud by trying to collect on a charged off debt that the IRS states that it is income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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