vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Subject XXXX Debt Validation Request Dear ADS/COMENITY/SEPHORA, I am writing in response to your recent communication regarding the alleged debt referenced in your letter dated [ insert date of their letter ]. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am requesting validation of this debt.

Specifically, I request the following documentation : 1. Proof of Debt : Copies of all records showing the amount of the debt, how it was calculated, and the original contract or agreement signed by me.

2. Assignment of Debt : Copies of all contracts or assignments that demonstrate your legal right to collect this debt, including any chain of assignment from the original creditor to your company.

3. Original Creditor Information : The name, address, and contact information of the original creditor, along with details about the account and any outstanding balance at the time of the assignment or sale.

4. Payment History : A detailed, itemized statement showing any payments made, fees added, and the balance still owed.

5. Statute of Limitations Verification : Documentation confirming the date of last payment and whether the debt is within the statute of limitations.

Until I receive the requested documentation, I dispute the validity of this debt. I also request that all collection efforts, including reporting to credit bureaus, be halted until this matter is resolved.

Please note that future communication regarding this matter should be in writing and sent to the address listed above. Additionally, I request that you do not contact me by phone.

Thank you for your cooperation. I look forward to receiving the requested information within 30 days of your receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hillcrest Davidson & Associates
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX reported a balanced owed on my credit report. I do not owe them any money. I disputed their reporting with the credit burea and here in an early complaint. The result was that the account was removed from my report. 

Now it has reappeared under a collection company, Hillcrest Davidson & Ass. 

I still don't owe them any money and the new account should be removed just as the last one was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX This information is part of a class action lawsuit against XXXX  XXXX XXXX XXXX  XXXX. This institution has been permanently closed due to illegally charging student inaccurate amounts. Due to the fraudulent nature of these accounts, they have been paid off and discharged by the XXXX XXXX XXXX  XXXX. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX  Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX  Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX  XXXX Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX This information is part of a class action lawsuit against XXXX  XXXX XXXX XXXX  XXXX. This institution has been permanently closed due to illegally charging student inaccurate amounts. Due to the fraudulent nature of these accounts, they have been paid off and discharged by the XXXX XXXX XXXX  XXXX. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I got notification that federal XXXX XXXX XXXX reported one of my accounts as me being deceased. I did go to a notary today. Got a letter sign stating that I am alive. I will attach that document.

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 2024-11-21 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:
I got notification that federal XXXX XXXX XXXX reported one of my accounts as me being deceased. I did go to a notary today. Got a letter sign stating that I am alive. I will attach that document.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMCB CARD Credit Card with account # XXXX opened on XX/XX/year> and a balance of {$5900.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. This account has also shown charge off monthly for years to extend maturity date on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
Account name XXXX XXXX XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information is not accurate, Account name : DEPT OF EDUCATIONED/XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : name : XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : XXXX XXXX Account XXXX Investigate the completeness and accuracy of every piece of information is not accrate.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

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 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  TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I never receieved information regarding a debt validation document that confirms the debt could be collected by the agency and also in my residing state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: PA

Complaint narrative:
After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile for my account that was never late.

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 2024-11-21 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: GA

Complaint narrative:
I am writing to formally report that I have been a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries appear on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Unauthorized Accounts 1. 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I am writing to formally report that I have been a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries appear on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Unauthorized Accounts 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian XXXX XXXX XX/XX/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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
In XXXX, I encountered a challenging period in which my account with Navy Federal was marked by a 30-day late payment. However, it's important to note that this late payment was not reported to the credit bureaus during that year. Instead, it was brought to their attention only in XXXX, while my record for XXXX remained unblemished. As we have now reached a full seven years since that 30-day late payment was first reported, I am formally requesting that Navy Federal revisit my account and consider the possibility of deleting this credit line. Removing this mark would not only reflect the significant amount of time that has elapsed since that incident but also acknowledge my steadfast commitment to maintaining a responsible and timely payment history in the years following that event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to credit bureaus while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ).

Inaccurate Reporting to Credit Agencies XXXX XXXX has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data.

Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process.

Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. 

I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. 
Sincerely, By : /s/ 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 2024-11-21 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: CA

Complaint narrative:
Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to credit bureaus while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ).

Inaccurate Reporting to Credit Agencies XXXX XXXX  has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data.

Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process.

Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. 

I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. 
Sincerely, By : /s/ 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