vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MI

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

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

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

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

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

4. Proof that the original creditor securitized the debt.

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

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

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

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

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus XXXX, XXXX, and TransUnion. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter.

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, XXXX, and TransUnion continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account.

2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, XXXX, and TransUnion remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX  has refused to appropriately address or resolve.

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 2024-10-28 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus XXXX, Equifax, and XXXX. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( 11/2023 ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, Equifax, and XXXX continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account.

2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, Equifax, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX  has refused to appropriately address or resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus Experian, XXXX, and XXXX. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, Experian, XXXX, and XXXX continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account. 


2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure Experian, XXXX, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX has refused to appropriately address or resolve.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2024-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Roc Capital Holdings LLC
State: IL

Complaint narrative:
I am going through a struggle with refinancing some hard money lending properties, due to my credit score. I have been paying into the hard money loans, but as of now they are charging me 23 % interest and has placed a burden on me as I had to withdraw my 401k to stop foreclosure. I am back on foreclosure and have struggled for 2 years trying to refinance the properties. I need assistance in refinancing and stopping these hard money lenders from abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning 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 hold 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning 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 hold 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 2024-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was looking through my credit report and notice some inquiries that i did not make or approve of on my report I need these remove from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-28 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
am submitting a complaint regarding the incorrect reporting of Account No. XXXX by XXXX. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with XXXX or TransUnion. This inconsistency has unfairly impacted my credit report and score with XXXX, creating a misleading picture of my financial history.

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation.

I have contacted XXXX and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that XXXX promptly addresses this matter and removes the erroneous entry from my report.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
am submitting a complaint regarding the incorrect reporting of Account No. XXXX by Equifax. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with XXXX or XXXX. This inconsistency has unfairly impacted my credit report and score with Equifax, creating a misleading picture of my financial history.

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation.

I have contacted Equifax and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that Equifax promptly addresses this matter and removes the erroneous entry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
am submitting a complaint regarding the incorrect reporting of Account No. XXXX by XXXX. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with Experian or XXXX. This inconsistency has unfairly impacted my credit report and score with XXXX, creating a misleading picture of my financial history. 

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation. 

I have contacted XXXX and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that XXXX promptly addresses this matter and removes the erroneous entry from my report.

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 2024-10-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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