vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: NH

Complaint narrative:
I got a call from XXXX XXXX XXXX offering to finalizes my non-existent personal loan application, agent stated that the obtained my information from TransUnion. I called TransUnion and provided personal information and after sitting on. Hold for 30 minutes the TransUnion agent asked for my phone and email incase we get disconnected, after providing my phone number the agent promptly disconnected the call and did not call back.

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 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Dear Shellpoint I am writing to formally dispute an incorrect late payment that appears on my credit report. Upon reviewing my report, I noticed that a late payment was reported for XX/XX/year>. I believe this information is inaccurate and request that it be corrected or removed as soon as possible. 

I kindly ask that you investigate this matter thoroughly. If you find that the late payment was reported in error, please update your records and notify the credit bureaus of the correction. Additionally, I would appreciate receiving written confirmation once this issue has been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. Please consider this letter my formal request for an investigation and resolution of this issue. 

If you require any further information or documentation, please do not hesitate to contact me at XXXX. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Violation of Rights Under 15 U.S.C. 1692g Failure to Provide Proof and Proper Investigation Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Aqua Finance Inc. , and XXXX XXXX  for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Specifically, I am requesting the Bureau 's intervention regarding the following accounts : Aqua Finance Inc. 

Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Date Updated : XX/XX/XXXX Pay Status : In Collection High Balance : {$4300.00} Credit Limit : {$4300.00} Past Due : XXXX $ XXXX Last Payment Made : XX/XX/XXXX Maximum Delinquency : XXXX days ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} ( Charge-Off Balance : {$3400.00} ) Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$150.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$4800.00} Credit Limit : {$3400.00} Issue Summary : These creditors ( Aqua Finance and XXXXXXXX XXXX ) and their collection activities , including XXXX XXXXeporting, have failed to provide the requested documentation and investigations related to the above accounts, which I believe are in violation of my rights under 15 U.S.C. 1692g, specifically the failure to provide verification of the debt and proof of the debt owners right to collect it. 

I request the following : Detailed Payment History : A full, detailed list of all payments I have made toward these accounts, including dates, amounts, and transaction references. 
Contract Signature : A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the creditors and authorizes them to collect this debt from me. 
Insurance Claims : Proof that any insurance has been filed or applied to these accounts, and details of any insurance settlements if applicable. 
Proof of Chain of Title : Documentation showing the chain of title for the debt and proof that the current creditor or debt collector has the legal right to collect this debt, including assignment or transfer of the debt. 
I have made multiple attempts to request this documentation from the creditors directly, but to date, I have not received any verifiable information in accordance with my rights under the Fair Debt Collection Practices Act. Therefore, I request that the CFPB investigate this matter and assist in ensuring my rights are fully protected. 

Please confirm receipt of this complaint, and I kindly ask for updates as your investigation proceeds. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Violation of Rights Under 15 U.S.C. 1692g Failure to Provide Proof and Proper Investigation Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX XXXX XXXX XXXX and Comenity BankXXXX  for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Specifically, I am requesting the Bureau 's intervention regarding the following accounts : XXXX XXXX XXXX. 

Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Date Updated : XX/XX/XXXX Pay Status : In Collection High Balance : {$4300.00} Credit Limit : {$4300.00} Past Due : XXXX $ XXXX Last Payment Made : XX/XX/XXXX Maximum Delinquency : 120+ days ( XX/XX/XXXX and XX/XX/XXXX ) Comenity Bank/XXXX  Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Charge-Off Balance : {$3400.00} ) Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$150.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$4800.00} Credit Limit : {$3400.00} Issue Summary : These creditors ( XXXX XXXX and Comenity Bank/XXXX  ) and their collection activities , including XXXX reporting, have failed to provide the requested documentation and investigations related to the above accounts, which I believe are in violation of my rights under 15 U.S.C. 1692g, specifically the failure to provide verification of the debt and proof of the debt owners right to collect it. 

I request the following : Detailed Payment History : A full, detailed list of all payments I have made toward these accounts, including dates, amounts, and transaction references. 
Contract Signature : A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the creditors and authorizes them to collect this debt from me. 
Insurance Claims : Proof that any insurance has been filed or applied to these accounts, and details of any insurance settlements if applicable. 
Proof of Chain of Title : Documentation showing the chain of title for the debt and proof that the current creditor or debt collector has the legal right to collect this debt, including assignment or transfer of the debt. 
I have made multiple attempts to request this documentation from the creditors directly, but to date, I have not received any verifiable information in accordance with my rights under the Fair Debt Collection Practices Act. Therefore, I request that the CFPB investigate this matter and assist in ensuring my rights are fully protected. 

Please confirm receipt of this complaint, and I kindly ask for updates as your investigation proceeds. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IN

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not authorized by me, and they are dates that I tried not to request anything to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Attention Chief Compliance Officer : I am writing to dispute the following information on my credit report : Account Name : Midland Credit Management Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/year> I believe this information is inaccurate because I have no recollection of this account and do not believe I owe this debt. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], which allows me to request validation of any debt being collected. 

Under this provision, I request : 1. Agreement with the Original Creditor : Documentation granting your company the authority to collect on this alleged debt, including evidence of assignment or ownership.

2. Signed Agreement : A copy of the original agreement bearing my signature, wherein I agreed to pay the original creditor.

3. Proof of Ownership : Documentation verifying that you own or have been assigned this debt and have the legal right to collect it.

4. Account Statements : A complete accounting of the alleged debt, including all transactions, fees, and interest.

5. Statute of Limitations : Verification that this debt is within the applicable statute of limitations for collection. 
The FDCPA further mandates that during the debt validation process, all collection activities must cease until the requested validation has been provided. Therefore, I request that any collection efforts be halted immediately while this matter is under review. In addition, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I kindly ask that you investigate this claim and provide the requested documentation as soon as possible, but no later than 30 days from the date you receive this letter, in compliance with the FCRA [ 15 U.S.C. 1681i ( a ) ]. Failure to comply with these requirements may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NY

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.

"

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
On XX/XX/year> I noticed my account was put under review for fraud.. They sent me an email until XX/XX/year> saying the following XXXX XXXX, Our security system triggered a review of your account due to your recent account activity. During our review, your Current account will be restricted. It may be necessary for us to request additional information to complete our review, if so, then we will contact you via email. 
We expect the review to be completed in XXXX ( XXXX ) to XXXX ( XXXX ) business days, and will provide an update when our review is complete. 
We thank you for your understanding and cooperation, and we will be in touch soon. 
Best, XXXX XXXX XXXXXXXX XXXX. 
From XX/XX/year> I have emailed multiple times tryna get an update since today XX/XX/XXXX is the XXXX business days that my account was put under review, still no answer and when I call customer service they say to wait another XXXX days for an email back all though they only asked for XXXX business days to begin with. It has been XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-02 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: FL

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

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 2025-01-02 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: PA

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report and have no idea why they are there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser to see if it was just a glitch, but the inquiries remained. I'm extremely frustrated and insist that the documents Ive submitted be carefully reviewed so I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had an outstanding balance with Capital One on a closed account. A closed account, which had already been charged-off but they were still reporting it as delinquent. 
I paid the balance of {$420.00} IN FULL on XX/XX/XXXX. 
The funds were immediately extracted from my bank account. 
As of today, the information status is still the same on my credit reports. 
I spoke to a representative today, XX/XX/XXXX, and was told it won't show as settled until around XX/XX/XXXX. And it will take MONTHS for the status to change on my credit reports. It is not fair that my money was taken and they refuse to formally acknowledge it was PAID IN FULL in a timely fashion. It should NOT take this long! XXXX XXXX XXXX practices are unfair. I just want this rectified so I never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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