vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XXXXXXXX  Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX RE : Debt Validation Request for Account # XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 
Dear Portfolio Recovery Associates, I am writing to formally dispute the alleged debt associated with account number XXXX, which you claim is owed to Portfolio Recovery Associates. I do not recognize this debt, and therefore, I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all the necessary information to validate this debt, including : 1. Proof of the Debt A detailed itemization of the debt amount of {$530.00}, showing how it was calculated, including any interest, fees, or other charges that have been applied. 
2. Proof of Ownership and Assignment Since you are not the original creditor, I request documentation proving that you have been legally assigned this debt. This must include : o A copy of the contract between XXXX XXXX XXXX  XXXX XXXX. and Portfolio Recovery Associates demonstrating that the account has been legally transferred or assigned to your agency. 
o Full documentation showing the chain of custody or assignment of this debt, from the original creditor to you. 
3. Proof of Standing I request a copy of the original agreement or contract with XXXX XXXX XXXX  XXXX XXXX. that I allegedly signed, showing that I am legally obligated to repay this debt. Additionally, please include the date of the last payment made on this account. 
4. Cease Communication via Phone Please cease all phone communications with me immediately. Under the FDCPA, 15 U.S.C. 1692c ( c ), I request that any future communications be made only in writing to the address listed above. 
Until this matter is resolved, I also request that you refrain from reporting this account to any credit reporting agencies. If you have already reported it, I expect this information to be removed immediately until the debt has been validated. 
Failure to provide sufficient and verifiable documentation to prove the legitimacy of this debt within 30 days of receiving this letter will result in further actions, including, but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states attorney generals office. If the debt can not be validated, I will demand its permanent removal from my credit report and reserve the right to pursue legal action for any violations of the FDCPA or Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
I see that XXXX inquired into my report without my knowledge

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Complaint to CFPB against Goldman Sachs Bank USA Subject : Violation of Fair Credit Reporting Act by Goldman Sachs Bank USA I am filing this complaint against Goldman Sachs Bank USA for continuously misreporting information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following account : Goldman Sachs Bank USA Account number : XXXX The bank is reporting an inaccurate balance of {$1000.00}, despite this debt being charged off and memorialized with a Form 1099-C, indicating the debt was canceled. Reporting this balance as still outstanding is misleading and in direct violation of FCRA requirements for accurate reporting. 

Additionally, Goldman Sachs Bank USA is falsely reporting this account as " open '' with XXXX, further compounding the inaccurate information. As per FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to promptly update or correct any errors once notified. Despite my efforts to notify them, the bank continues to report false information. 

They also report this account as a " charge-off '' month after month, which is both unnecessary and damaging to my credit. According to case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, monthly updates of charge-off accounts are considered harmful and violate consumer rights under FCRA. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX XXXX XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/2024 and XXXX XX/XX/2024, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX XXXX  XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NV

Complaint narrative:
An email notification was sent to me on XX/XX/year> with a " Special Notification from Westlake Financial '' stating that " Westlake is offering to consider your account satisfied if you make single, reduced payment in the amount of {$780.00}. To accept this offer, payment must be made with certified funds and received within fourteen ( 14 ) days from the date of this communication. '' The payment was made on Monday, XX/XX/year> at XXXX XXXX  PDT. I have documents of the email notice that was sent to me and a receipt showing the date that I had made the payment. I was told by the manager who processed my payment that the account would be closed and would be reported as satisfied within the next 30 days. Over the course of a month or more, I continued to receive phone calls and notices from Westlake Financial stating that my account was still passed due. I called the company on XX/XX/year> at XXXX PST and spoke with a representative there who was able to see that there was a payment made on the agreed amount as stated in the email notice. However, he explained to me that the account had not been conditioned to reflect the account as satisfied and would go ahead and report it as such. He told me that the account would be reported in the next 30 days. Westlake Financial had neglected to report my account as satisfied when I had made the initial payment and continued to report my account as delinquent.

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 2024-10-05 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: OH

Complaint narrative:
I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX XXXX  XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on 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 non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/scrub>XX/XX/2019 I called them and told them that this account is not mine, that it belonged to my ex-husband who used my social media without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I got a new credit card with indigo card Customer service number XXXX XXXX XXXX In order to apply for the card I provided my id picture and information. They approved me on XX/XX/XXXX I paid for the full balance of the card then I went to use my card today to get it denied. I called the company they stated they closed my account because they need a picture id mind you in order to open the account I provided them with my credit. They said they sent a letter I never recieved they said they had put a block on my card in XXXX but I received my card in XXXX when I paid my balance they never let me know when I was paying the balance that I had to provide documentation. Today I let them know all this and they said theres nothing they can do I asked for them not to report to the credit bureau since they never contacted me or let me know they were closing my account or that I had to provide the documentation or if they can open my card. I did was I need to do in my behalf pay the fee of XXXX and thats all they asked when I paid they should of let me know I had a block before I made my payment so I can provided what I need they didnt. I asked if I provide the documentation can they open my account she said no. I feel like I got scammed and now my credit is getting effected by this. Can you please help this situation Im trying to buy a house and now this going to effect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-05 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: Capio Partners, LLC
State: IL

Complaint narrative:
I have recently put a dispute in through XXXX. The original creditor was XXXX XXXX. The amount is for {$910.00}. It says date opened XX/XX/XXXX. It has flagged my credit report 3 times, starting in XXXX XXXX XX/XX/XXXX. The result has plunged my credit score over 100 points! I am a victim of identity theft. Every year, the IRS has to send me a pin so I can file my taxes. This has been an exhausting, repetitive situation for years. On XXXX, regarding my dispute result, it says this account is scheduled to continue on record until XX/XX/XXXX. How can I remove this and get back my 100 plus points back to my credit? I have put a credit freeze through XXXX. I don't know what else to do. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX Bank XXXX # XXXX. Despite my previous letters dated XX/XX/2024 and XX/XX/2024, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on 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