vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
DEBT VALIDATION LETTER Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # _ Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI
State: MS

Complaint narrative:
Sometime in XX/XX/year>, I received a phone call from XXXX XXXX XXXX saying I owed debt from XXXX XXXX XXXX XXXX. The representative went on to explain how my credit would be affected and itll make my credit report look bad, and just had a nasty attitude all the way around. I was XXXX, a freshman in college and really did not know much about anything related to credit. As of today, since I am much more educated on laws regarding credit I am sending this report in. Also, we ( General Revenue Corp and myself ), both agreed once paid itll be off my credit and they have not reported that to the credit bureaus yet, as I have tried to dispute several times. I want this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> XXXX XXXXXXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> XXXX XXXXXXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> All results of identity theft all been deleted already came back as 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 non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding my recent experiences in resolving issues related to identity theft on my credit report. On XXXX separate occasions, I spoke with supervisors named XXXX and XXXX XXXX case numbers XXXX and XXXX, respectively ) regarding my urgent request to block fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Unfortunately, both supervisors refused to assist me, despite my clear explanation of the situation and the legal framework that mandates their cooperation. I reported XXXX fraudulent accounts on my TransUnion credit report that I do not recognize. These accounts, which are a result of identity theft, include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have led to multiple fraudulent charge-offs, late payments, and collections on my report, severely impacting my creditworthiness. I have requested the immediate removal of these fraudulent items and the cessation of any related collection activities, as is my right under FCRA and FDCPA laws. I am deeply concerned about the lack of support from TransUnion and the failure to act within the required four business days. This situation has caused me significant distress and financial harm. I urge the XXXX to assist me in resolving this matter promptly. I expect TransUnion to fulfill its obligations under federal law and to rectify my credit report by removing the fraudulent accounts immediately.

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 2024-09-29 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: DE

Complaint narrative:
I XXXX XXXX of the XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of the ( XXXX EXPERIAN CREDIT REPORTING AGENCY ) do to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 

The ( bureau/company EXPERIAN XXXX has failed to properly remedy and investigate this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This credit card was paid months ago still showing a balance on my credit report also showing missed payments. The credit cards been paid off, so there are no missed payments.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This credit card was paid months ago still showing a balance on my credit report also showing missed payments. The credit cards been paid off, so there are no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This credit card was paid months ago still showing a balance on my credit report also showing missed payments. The credit cards been paid off, so there are no missed payments.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to freeze my Equifax credit report. For the last 3 months every time I try to login, I am told that my account is temporary unavailable. I can't do anything to freeze my account. Others are reporting similar experiences online, stating that the only viable resolution for Equifax to fix login was to file cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TX

Complaint narrative:
Fox collections is reporting a collection on my reports but has never verified after countless request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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 am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: TN

Complaint narrative:
They are vailating my rights according to the FCRA. Experian never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of s from the furnisher stating that the account Information being provided is 100 % accurate according to law. Experian was to conduct a proper investigation to provide the documentation outline above.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Debt Collector, 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 2024-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My insurance company is New Rez. I live in an XXXX condo complex. I have shown them my insurance coverage. They have asked me for copy of insurance that covers condo complex. I have complied. They are now charging me an extra $ XXXX for an escrow account they added to my monthly mortgage payment to cover insuring the entire building. The charge will start XX/XX/XXXX. They will not/have not acknowledged receipt of copy of condo complex insurance. They allege they will refund charges XX/XX/XXXX. I don't trust them.

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 2024-09-29 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: PA

Complaint narrative:
According to the IRS guidelines, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. To date, I have not received this form for the aforementioned account. The absence of this document suggests that the charge-off may not have been properly processed, and I believe it should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. As this charge-off is not accompanied by the necessary 1099-C documentation, I kindly request that you investigate this matter and remove the charge-off from my credit history. 

Please let me know if you require any further information from my side to facilitate this investigation. I appreciate your prompt attention to this matter and look forward to your timely response.

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 2024-09-29 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: PA

Complaint narrative:
According to the IRS guidelines, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. To date, I have not received this form for the aforementioned account. The absence of this document suggests that the charge-off may not have been properly processed, and I believe it should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. As this charge-off is not accompanied by the necessary 1099-C documentation, I kindly request that you investigate this matter and remove the charge-off from my credit history. 

Please let me know if you require any further information from my side to facilitate this investigation. I appreciate your prompt attention to this matter and look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: NC

Complaint narrative:
Inquiries reporting fraudulently on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: PA

Complaint narrative:
According to the IRS guidelines, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. To date, I have not received this form for the aforementioned account. The absence of this document suggests that the charge-off may not have been properly processed, and I believe it should be removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. As this charge-off is not accompanied by the necessary 1099-C documentation, I kindly request that you investigate this matter and remove the charge-off from my credit history. 

Please let me know if you require any further information from my side to facilitate this investigation. I appreciate your prompt attention to this matter and look forward to your timely response.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> USCB AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for 1099-C Form Dear USCB AMERICA, I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number, to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : 1. The right to be informed if information in my credit report has been used against me.

2. The right to know what is in my file.

3. The right to dispute incomplete or inaccurate information.

In addition, I am aware that I have the right to a copy of the 1099-C form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a 1099-C form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : 1. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties.

2. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information.

3. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties.

4. Provide me with a copy of the 1099-C form related to the debt monetization using my Social Security number.

5. Delete Account From credit report Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights. 
Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief