vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Request for Debt Validation and Dispute of Account XXXX Dear PORTFOLIO RECOV ASSOC XXXX I am writing to dispute the validity of the debt referenced below as reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX ( b ) ( XXXX U.S.C. XXXX ), I am requesting that you provide full validation of this debt. Until proper validation is provided, I request that you cease all collection activities on this account and stop reporting this debt to any credit reporting agencies. 

Please provide the following information as required by law : Proof of the debt : Full itemization of the amount owed, including how the amount was calculated. 
Verification of ownership : Proof that I am legally obligated to pay this debt, including the original agreement or contract. 
Legal right to collect : Documentation showing that your agency has the authority to collect this debt on behalf of the original creditor. 
Chain of title : Any documentation showing that the debt was transferred or sold to you. 

Please note that failure to provide the requested validation within 30 days will result in me taking further legal action, including filing complaints with my states Attorney General, and seeking legal counsel under the FDCPA. Additionally, be aware that Section XXXX of the FDCPA ( XXXX XXXX. XXXX ) provides that debt collectors who fail to comply with these requirements may be liable for damages, including actual damages, statutory damages, attorneys fees, and costs. 

I expect a prompt and thorough response to this request. Please send me all information and documentation concerning this account in writing. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I went to XXXX and went through XXXX  to get my loan, now there saying I'm not in there system but they have destroyed my credit! 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
since XXXX i have been trying to remove these accounts that where opened by my father who has the same name as 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
since XXXX i have been trying to remove these accounts that where opened by my father who has the same name as me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On Monday, XX/XX/year>, I reviewed my XXXX XXXX XXXX Experian Credit Report. On XX/XX/year>, XXXX XXXX reported that my balance was {$24.00}. On XX/XX/XXXX, I paid {$24.00} online through my XXXX XXXX  Account. On XX/XX/XXXX, the payment ( XXXX ) posted to my XXXX XXXX  Account. My XXXX XXXX XXXX owed on card XXXX is XXXX!!!!! As of Monday, XX/XX/XXXX, XXXX XXXX has FAILED to provide Experian with my current account balance information. It has been 18 days since my payments posted to my account bringing my account balance to XXXX!!!!!. Experian updates my credit report weekly. 
On Monday, XX/XX/year>, I contacted XXXX  XXXX at XXXX XXXX, I believe the representative 's name was XXXX. I explained XXXX XXXX reported my account balance was {$24.00} ( date reported XX/XX/year> ) when in fact my account should reflect a XXXX!!!! Balance because the amount {$24.00} + {$0.00} was paid on XX/XX/year> and posted on XX/XX/year>. I demanded XXXX XXXX notify Experian with my current balance of XXXX. It has been 18 days since the balance was paid, I demand my account reflect my current balance. This is NOT the first time I have encountered fair reporting practices with XXXX XXXX. XXXX XXXX blames Experian for the lack of current information, when XXXX XXXX FAILS to provide Experian with current information. Experian can only report what information is received.

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 2024-09-23 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: NY

Complaint narrative:
Dear Experian, XXXX, and XXXX, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under XXXX ( XXXX U.S.C. XXXX ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. ACCOUNTS : XXXX XXXX XXXX  NY XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Sincerely, 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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: OR

Complaint narrative:
This company is a XXXX  credit card company therefore you pay upfront and then spend the money after you pay. Ive asked to be refunded the money I have remaining and close my account. Ive been able unable to reach anyone over the phone or by email. Ive asked for a replacement card which Ive been unable to receive. Its been over a year. Ive contacted the XXXX XXXX XXXX  as well. You can not get a person on the phone. This company is impossible to work with. They owe me {$230.00} and I have no way of getting in contact with them or getting replacement card. I want my refund and I want my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Nissan motor company is reporting me as past due and stating that a full payment needs to be paid. Nissan has approved and pushed through deferred payments and agreed to extend my loan in 2022 but now is stating that regardless of deferred payments a full payment must be made immediately to take the past due balance off my account. The maturity date does not align with the deferred payments and is now affecting my credit negatively. Nissan has not changed or accurately documented the deferred payments now resulting in a past due payment and reporting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have noticed some one has applied for credit cards instead of me to XXXX XXXX and chase bank on XX/XX/XXXX and XX/XX/year>. There was XXXX frauds. I have noticed that my credit score has dropped XXXX scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: VA

Complaint narrative:
Company is reporting late XX/XX/year> when in fact a payment was made. They will not provide the statement. I have repeatedly asked them to remove this from my credit file.

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 2024-09-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
Last year I filed for enforcement of XXXX XXXX XXXX ( over XXXX ) which was never paid. In XXXX, the first and subsequent payments are put on a XXXX prepaid debit card. Since receiving the first payment in XX/XX/XXXX, I noticed missing funds as if theyd never been deposited onto the card or only partial payments. XXXX claims thats exactly what they received and nothing is amiss. Just youll have to work that out with XXXX XXXX we just get what we get. That was in XX/XX/XXXX and I have confirmed the amounts with XXXX XXXX XXXXt several times over past few months. 

Below are dates and amounts in dispute : Edited to add there are a few more but I keep running out of time to write while I am working through the statements from both parties. 

Payment dates/amounts from XXXX XXXX : XX/XX/XXXX payment of {$320.00} XX/XX/XXXX payment of {$340.00} The above two payments are missing altogether. 

XX/XX/XXXX payment missing {$130.00} I am paid $ XXXX. The last payment of the month is typically over {$320.00} and XXXX shows last payment of the month as {$83.00} EVERY MONTH. So not only are the kids not getting the $ XXXX or the extra catch up funds, its always {$83.00}. Weve never even seen that number from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : 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 2024-09-23 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : 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 2024-09-23 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( 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 XXXX 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 explanation
Consumer complaint received 2024-09-23 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: MO

Complaint narrative:
XXXX, Transunion and especially XXXX I've been filing disputes via online, over the phone and sending dispute letters since XXXX of XXXX, XXXX of XXXX, up to the present day of XX/XX/XXXX. Every time I filed disputes for inaccuracies like Charged off accounts which the company must file a 1099-C debt cancellation reporting it as income in the amounts of {$230.00} ( XXXX XXXX ) XXXX {$350.00} ( XXXX ) XXXX {$530.00} ( XXXX XXXX XXXX XXXX {$250.00} ( XXXX  ), {$280.00} ( XXXX XXXX ) which was a {$2000.00} secured card, {$450.00} XXXX XXXX XXXX XXXX  XXXX {$26000.00} was a breach of contract coercing me to sign the contract they way they wanted me to or else they wasn't going to sell me the vehicle knowing I needed one for my personal, family and household needs. And since the companies in question are reporting these charged off accounts as income they no longer should be on my credit report. and so the credit bureaus refuse to correct these errors as if they are deliberately ignoring my request. They never in the history of me filing disputes sent me verifiable and validated proof of any debts and will not even remove them one time in good faith. I've experienced severe financial hardships I suffered constant denial of credit because of this unresolved matter over the years of communicating with these bureaus Especially Experian. I've also requested them to remove non-mailable addresses from my credit report and they said they would but when I went back to check my report the address were still there, so they lied to me. That's why a question their motives, authenticity and what they stand to gain or lose by making these simple corrections on my report. It even got to a point where I wasn't allowed to dispute some inaccurate any further. I think they are engaging in unfair and deceptive practices and have violated my consumer rights time and time and time again. I've pointed out to them that they have violate the FCRA, FDCPA, ECOA and the CCPA and they seem to be unfazed by these violations. A few of these third party debt collectors I have absolutely no business or contract with. And I don't have the time to go back and forth with these bureaus. That's why I'm filing this complaint because I NEVER got ANYWHERE corresponding with these credit bureaus. I feel targeted and discriminated against. I also put the parties involved on expressed notice that I had a priority lien and beneficial security interest in the Debtors property including my Trade Name. They ignored everything I conveyed to them verbally and in writing. see attached.

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 2024-09-23 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
XXXX, XXXX and especially XXXX I've been filing disputes via online, over the phone and sending dispute letters since XXXX of XXXX, XXXX of XXXX, up to the present day of XX/XX/XXXX. Every time I filed disputes for inaccuracies like Charged off accounts which the company must file a 1099-C debt cancellation reporting it as income in the amounts of {$230.00} ( lead Bank ) XXXX {$350.00} ( XXXX ) XXXX {$530.00} ( XXXX XXXX XXXX XXXX {$250.00} ( Self ), {$280.00} ( Open sky ) which was a {$2000.00} secured card, {$450.00} XXXX XXXX, CREDIT ACCEPTANCE CORP {$26000.00} was a breach of contract coercing me to sign the contract they way they wanted me to or else they wasn't going to sell me the vehicle knowing I needed one for my personal, family and household needs. And since the companies in question are reporting these charged off accounts as income they no longer should be on my credit report. and so the credit bureaus refuse to correct these errors as if they are deliberately ignoring my request. They never in the history of me filing disputes sent me verifiable and validated proof of any debts and will not even remove them one time in good faith. I've experienced severe financial hardships I suffered constant denial of credit because of this unresolved matter over the years of communicating with these bureaus Especially Experian. I've also requested them to remove non-mailable addresses from my credit report and they said they would but when I went back to check my report the address were still there, so they lied to me. That's why a question their motives, authenticity and what they stand to gain or lose by making these simple corrections on my report. It even got to a point where I wasn't allowed to dispute some inaccurate any further. I think they are engaging in unfair and deceptive practices and have violated my consumer rights time and time and time again. I've pointed out to them that they have violate the FCRA, FDCPA, ECOA and the CCPA and they seem to be unfazed by these violations. A few of these third party debt collectors I have absolutely no business or contract with. And I don't have the time to go back and forth with these bureaus. That's why I'm filing this complaint because I NEVER got ANYWHERE corresponding with these credit bureaus. I feel targeted and discriminated against. I also put the parties involved on expressed notice that I had a priority lien and beneficial security interest in the Debtors property including my Trade Name. They ignored everything I conveyed to them verbally and in writing. see attached.

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