vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This company showed up on my credit report and they were reporting a late payment to them as of XXXX of XXXX. I have never done business with this company so I dug around a little more and found out they purchased an old debt that was owed to XXXX XXXX and they are now claiming it on my credit report as new debt and saying it is late. They legally are not allowed to do this ; they can report it as debt because they bought it, but they are not allowed to report it as new or use this current date to start claiming it is late. The original debt dates back to XXXX, I believe and the original amount owed to XXXX was around {$170.00}. They are now trying to say I owe over {$200.00} and saying it is new and just now starting to be claimed as late. I am not going to sit here and have them abuse the laws of consumer collections and lie about an account that was never theirs to begin with. I want it off of my credit report as a new account with late payments reporting. These people reached out to me once via text and I declined the text message. I do not plan on paying them anything and I will get XXXX involved if they continue to practice deceitful collections.

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 2025-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: ID

Complaint narrative:
The original company I owed dept to was XXXX XXXX. They violated my contract I signed with them. It was in the contract that they were not allowed to contact my place of work for personal calls. I missed one payment and they began to call my work asking for me and how to contact me. This was a violation of the contract I signed. 

They sold my dept to Spring Oaks Capital, a dept collection agency in XXXX, VA. 

The company has contacted me multiple times and I have blocked their phone number. They wait a couple days and call me from a different number. I block it and they change their number over and over. 

I emailed them telling them that what they are doing is harassment and to stop calling me. They continue to call and Everytime I block the number. 

The numbers they have called from are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX called XXXX times that day XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Called 4 times that day XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX called twice that day XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As you can see this is ongoing. They call me so much it's insane. It's harassment and they won't stop. I block a number and they get a new one. I want it to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have called, sent emails and even reached out to westlakes attorney. It has been over a year I have been trying to resolve this issue with Westlake regarding my vehicle. Horrible customer service, the representatives hang up on you and do not care about you at all. I really want my issue taken care of ASAP. The car has been sitting at the mechanic shop and he also has bern reaching out but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud process, documentation proving identity theft was provided and also mailed. My name has NEVER been XXXX XXXX, I have never been associated to the address of XXXX XXXX XXXX XXXX XXXX XXXX  agents/representatives are unprofessional, this is discrimination, It has a lot to do with me being XXXX and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: KS

Complaint narrative:
This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also mailed. My name has NEVER been XXXX XXXX, I have never been associated to the address of XXXX XXXX XXXX XXXX XXXXXXXX Discovers agents/representatives are unprofessional, this is discrimination, It has a lot to do with me being XXXX and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: KS

Complaint narrative:
This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also mailed. My name has NEVER been XXXX XXXX, I have never been associated to the address of XXXX XXXX XXXX XXXX XXXX  Discovers agents/representatives are unprofessional, this is discrimination, It has a lot to do with me being XXXX and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am writing to formally dispute the charge off account that was illegally reported on my credit report from the creditor. Despite my previous requests, I have not received the following documentation : Proof of Debt Ownership A copy of the original signed contract or agreement establishing the debt between your company and myself. Documentation evidencing the transfer or assignment of the debt to your organization, if applicable.

Itemized Account Statement : A detailed statement outlining the original principal amount, all interest charges, fees, payments made, and the current outstanding balance. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I request evidence of a minimum of 10 such contact attempts made by your company regarding this debt. 

Compliance with Notification Requirements : Evidence that your company provided the requisite disclosures in accordance with the Truth in Lending Act ( TILA ), as outlined in 15 U.S.C. 1601 et seq. Proof that your company issued the necessary notices prior to reporting any negative information to credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

According to the FCRA, creditors are required to notify consumers either prior to or within 30 days after furnishing negative information to credit bureaus. I have not received any such notifications. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I have not been given this opportunity, nor have I received any contact attempts regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed :, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # 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 2025-02-12 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I have legal court documents that were filed regarding the debt. It was a court order for garnishment to the company Speedy cash loan. It shows amount paid in full. INCLUDING court costs, filing fees etc. My bill was XXXX XXXX I ended up paying over XXXX XXXX XXXX I have REPEATEDLY REPORTED AND DISPUTED THIS THROUGH THE CREDIT BUREAU AND XXXX XXXX. DESPITE THE PROOF, THEY WILL NOT REMOVE IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Dear National Credit Systems and CFPB, I am formally disputing the validity of this collection account and requesting its immediate removal from my credit report. While National Credit Systems , Inc. ( NCS ) has provided a breakdown of charges, they have failed to establish that I am legally responsible for this debt for the following reasons : 1. No Verifiable Evidence That I Owe This Debt I never lived at the address associated with this alleged debt.

There is no record on any credit reporting agency ( CRA ) that supports my residency at the stated location.

- The contract document provided contains only a typed set of initials, ( from some IP address that Ive discovered, using XXXX XXXX, indicates it was from the city of XXXX, XXXX Ive lived in XXXX XXXX XXXX and moved here from XXXX XXXX where I was born and lived most of my life ), which does not constitute legally binding proof that I entered into any agreement or assumed financial responsibility. 
- Providing a list of charges does not prove that I personally incurred or authorized any financial obligations.

2. Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate or unverifiable information to CRAs.

- NCS and the original creditor have failed to provide sufficient legal proof tying me to this debt, yet they continue to report it. If this debt remains on my credit report without proper validation, this constitutes a clear violation of the FCRA and I will consider legal action.

3. Failure to Validate Debt Under the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S.C. 1692g, I have the right to request full validation of this debt. This means providing : - A legally binding contract with my wet ink signature. - Verifiable proof that I resided at the property.

- A legally enforceable agreement obligating me to pay the charges. Simply providing a breakdown of charges does not satisfy this requirement. The burden of proof lies with NCS and the original creditor, not with me.

Requested Action : I demand that National Credit Systems , Inc. and the original creditor : Immediately remove this unverifiable debt from my credit report under 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Provide indisputable proof that I signed a legally binding agreement and resided at the property.

If they can not provide proper documentation, they must cease all collection efforts and remove the account permanently.

If this matter is not resolved, I will pursue all available legal remedies, including a complaint with the Federal Trade Commission ( FTC ) and possible litigation for violations of the FCRA and FDCPA. I expect the CFPB to investigate this issue thoroughly, as I have been disputing it for almost XXXX years without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
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 2025-02-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello there. I found several items on my credit report that I believe were fraudulent charges that were applied to my account without my consent. I need these items removed from my report to avoid negative impact on my credit score. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the accounts and inquiries listed on my consumer credit report, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization.

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of fraudulent or compromised information.

Section 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing consumer reports.

After contacting the reporting companies, I confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a violation of federal law.

I request an immediate investigation and a written response confirming the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: RRD Financial LLC
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 U.S.C 1681. 

Account Name : RRD FINANCIAL Account Number : 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates 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 explanation
Consumer complaint received 2025-02-12 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: Auto Finance Center
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 U.S.C 1681. 

Account Name : XXXX XXXX Account Number : 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates 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 explanation