vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-10 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: FL

Complaint narrative:
I found a Bankruptcy listed on my report. I contacted the XXXX XXXX XXXX XXXX XXXX  XXXX and received the following information. " The XXXXXXXX XXXX XXXXXXXX does not report, furnish, and/or transmit XXXX XXXX XXXXXXXX XXXX other information to the credit reporting agencies. '' I contacted XXXX XXXX Recorder and they repeatedly confirmed that they DO NOT provide any information to XXXX, TransUnion, or XXXX, or XXXX XXXX, nor do they ever validate or confirm information regarding cases from the public record. As I have disputed this information in the past and requested reinvestigation, I have reason to believe and do so believe that if the CRA can not VALIDATE the information with the original creditor, they must remove it. 
I believe the information provided to me by the Courts to be factual, giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone, and I have due process rights and privacy rights that have definitely been violated. U.S. Supreme Court decided in Carpenter v. United States, that I have a reasonable expectation of privacy in the whole of my physical movements, including movements in public. As the CRAs are profiting off of the dissemination of this misinformation that violates my privacy and could never be verified/validated/confirmed accurate, they have gained, to my detriment, creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.

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 2025-01-10 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: DC

Complaint narrative:
XXXX : Immediate Action Required : Dispute of Inaccurate Charge-Off and Late Payments XXXX Account # XXXX Dear Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX I am writing to formally dispute the inaccurate charge-off and late payment entries reported by XXXX for my account ( Account XXXX : XXXX ), which currently reflects a balance of {$730.00}. These negative entries are erroneous and must be immediately removed from my credit report. 

This charge-off and associated late payments are unjustified. Despite multiple attempts to resolve this issue directly with XXXX, they have failed to correct the record and continue to report this damaging and false information. The charge-off and late payment entries do not reflect the true status of my account, and I demand that they be removed without delay. 

The incorrect reporting of this charge-off and late payments has caused substantial harm to my XXXX XXXX and financial reputation. The persistent refusal of XXXX to correct this error only exacerbates the damage, and I will not tolerate such blatant inaccuracies on my credit report. 

I am requesting that you investigate this issue immediately and take the necessary action to ensure that XXXX promptly removes both the charge-off and late payment entries from my credit file. The reporting of this incorrect information is a violation of my consumer rights, and I expect a full resolution within the required timeframe. 

Please confirm receipt of this dispute and provide a timeline for resolution. If necessary, I am prepared to escalate this matter legally, and I will hold all responsible parties accountable for any further damage caused to my credit. 

I trust that the CFPB will handle this matter with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX XXXX -- - This version is direct and firm, expressing urgency and demanding immediate action while stressing the harm caused by the inaccurate reporting. Make sure to attach any relevant documents supporting your claim.

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 2025-01-10 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: WA

Complaint narrative:
For the past several years, i have been trying to get XXXX items removed from my credit report for XXXX XXXXXXXX XXXX  account # XXXX {$830.00} and {$940.00}. These are not mine and can not be verified they are. They have no record of my signatures or my identity. On XXXX  I opened another dispute, and nothing was concluded, and the items remained on my account and was told they have been deleted completely I still see them on my credit report. I am trying to purchase a home and can not due these inaccurate items on my credit. Experian doesn't answer my calls, or they disconnect. They refuse to provide me with the facts how they concluded the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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 XXXX4 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
XX/XX/scrub>XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax XXXX, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Inaccurate credit reporting. My student loans were in deferment with Nelnet and since they took over i have incorrect information reporting that has damaged my credit report. I called and they advised me to call the credit agency. They are reporting inaccurate according to US Code 1681. I will file litigation suit against them if this isn't resolved. I am so sick of inaccurate credit reporting and you allow them. According to them, I was in forebearence. If thats the case why are you reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
This is the second time disputing these negative items on my credit report and I need them removed. Here are the acccounts : 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 The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

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 2025-01-10 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 
Please remove immediately the following accounts : The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report.

Ive became a victim of identity theft in have contact ever one but no answers By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT 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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have been a customer with American Express for over 5 years. I have never missed a payment, been late and have sometimes paid way over my monthly amount due for each payment. If i use the card i receive emails that i am using too much and yet i am no where near approaching any of the limits provided. It's very frustrating to constantly have limits decreased or receive these emails. I am now being told they need access to my bank account in order to increase the limit back to my previous limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: NJ

Complaint narrative:
XXXX contacted me with a debt from an unknown source that is not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Unauthorized Sale of Debt and Violation of the Fair Debt Collection Practices Act ( FDCPA ) ** I am writing to bring attention to the unlawful actions taken by Citibank and its subsequent sale of my account to a third-party debt collector, Calvary SPC , LLC, without my knowledge or consent. The following outlines the series of events and potential violations under the **Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **Unauthorized Sale of Debt : ** Citibank XXXX without providing me prior notice or seeking my permission, transferred my account to Calvary SPC , LLC . This act occurred without any written communication or proper disclosure as required by the FDCPA, which mandates that a debtor must be notified of any transfer of their debt to a third party.

2. **Subsequent Sale to a Law Firm : ** Calvary SPC , LLC, in turn, sold my file to a law firm that does not have the legal standing to pursue this matter. Since the original contract for the debt was with Citibank, the law firm has no direct relationship with me or the debt. Under the FDCPA, a debt collector is prohibited from misrepresenting their legal rights or the rights of any other party involved. 

3. **Violation of FDCPA Provisions : ** - **Section 1692c** ( Communication in Connection with Debt Collection ) : The law requires that I be notified of any assignment or transfer of the debt. Citibank failed to communicate such a transfer to me, thus depriving me of my right to dispute or question the debt collectors authority.

- **Section 1692e** ( False or Misleading Representations ) : Calvary SPC , LLC and the law firm may have misrepresented their ability to take legal action, as they do not have a legitimate contract with me. These parties can not legally pursue collection of a debt they did not originate, which constitutes a misrepresentation under the FDCPA. 
- **Section 1692f** ( Unfair Practices ) : The actions of selling my account multiple times without my knowledge or consent may also be deemed unfair and abusive under the FDCPA. These practices compromise my rights as a consumer and expose me to unlawful collection tactics.

4. **Unlawful Legal Actions : ** The law firm pursuing the debt may be engaging in unauthorized legal actions, as they do not have any legal claim to the debt. This action could be seen as an attempt to manipulate or coerce me into paying a debt that has been unlawfully transferred multiple times.

In conclusion, the unauthorized sale of my account by Citibank, the subsequent transfer to Calvary SPC, LLC, and the sale of my file to an unqualified law firm represents multiple violations of the **Fair Debt Collection Practices Act ( FDCPA ) **. These actions have compromised my rights and caused undue distress. I request immediate cessation of any further collection attempts and an investigation into these unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
After checking my mortgage account in the month of XXXX I noticed a past due or missed payment. After calling the mortgage company to inquire what the issue was they asked me to email them all documents with proof of payment which I did that month. Unfortunately for me I never checked back to ensure it was received. I assumed it had been and with proof, everything would be fine. In the month of XXXX I went to purchase a vehicle to which my credit was pulled and to my surprise my credit has fell XXXX pts. I did research and it in fact had fallen because of this frivolous claim. I then called the mortgage company again and was asked to send the cashiers check as proof I did. They also asked me to send a copy of my bank statement to ensure the money was indeed deducted from my account, I did. It was. The back of the cashiers check says it was cashed by PHH mortgage on XXXX XXXX. They are claiming the check for XXXX is the one for XXXX. They have two separate check numbers. They are claiming to never have got it.I have proof from the month of XX/XX/XXXX to XX/XX/XXXX of the checks always being paid to them the same way and being cashed the same way. I have found this company has done this to several customers.

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 2025-01-10 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: TX

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX  Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on
Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15
U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( B ) Any other adverse item of information ( other
than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX 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 non-monetary relief