vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing in response to your notice regarding the alleged debt you claim I owe. As provided under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt before any further collection actions are taken. 

To ensure that this debt is valid, I request that you provide the following information : A copy of the original signed contract or agreement : Please provide a copy of the original signed agreement or contract that establishes my obligation to repay this debt, including your signature or the original creditors signature, and any terms related to the debt. 
A full accounting of the debt : A breakdown of the original amount owed, including any interest, fees, or other charges added to the debt. 
Proof of ownership : Documentation showing that you have the legal right to collect on this debt. This may include evidence that the debt has been sold or assigned to your agency or that you otherwise have the legal right to collect the debt on behalf of the original creditor. 
Itemized payment history : Detailed statements showing payments made toward the debt, if any, and the remaining balance. 
Date of last payment : Please indicate the date of the last payment made toward the debt to ensure that it is within the statute of limitations for collections under state law. 
Under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), you are required to provide this information within 30 days of receiving this letter. Until I receive the requested validation, I ask that you cease all collection efforts, including reporting this debt to credit bureaus.

If you are unable to provide the original signed contract with my signature or the documentation mentioned above, then under FDCPA Section 809 ( 15 U.S.C. 1692g ), this debt must be considered disputed, and any further collection efforts should cease. Furthermore, if the debt can not be validated, I ask that you promptly remove it from my credit report. 

I also request that all further communications regarding this matter be conducted in writing, as I am exercising my rights to dispute the validity of the debt under FDCPA Section 805 ( 15 U.S.C. 1692c ), and as allowed under the Fair Credit Reporting Act ( FCRA ), you are prohibited from reporting inaccurate or unverified information.

Please treat this as a formal dispute of the alleged debt until you have provided the appropriate validation. 

Thank you for your attention to this matter. I look forward to your prompt and complete response in compliance with the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Service attempted to collect a debt of {$170.00} that I believe is incorrect. I have not received adequate information verification for this debt despite my requests. Please investigate and rectify this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: National Credit Adjusters, LLC
State: WA

Complaint narrative:
I am writing to formally dispute the claim of civil liability for negligence that has been brought against me under California Civil Code 16810. Upon reviewing the details of this matter, I find that the claim is incomplete and lacks the necessary legal and factual basis to establish my liability.

Grounds for Dispute : 1. Lack of Substantiated Evidence : The claim fails to provide clear and sufficient evidence demonstrating my negligence and how it directly resulted in the alleged damages. Without concrete proof, any assertion of liability is unfounded.

2. Failure to Establish Duty and Breach : For a negligence claim to be valid, it must be shown that I had a legal duty to the claimant, that I breached this duty, and that this breach directly caused harm. The claim does not adequately establish these elements.

3. Inaccurate or Incomplete Information : The claim appears to be incomplete or contains inaccuracies regarding the circumstances of the alleged incident. I request a full and transparent disclosure of all supporting documents, witness statements, and any other relevant evidence.

4. Possible Comparative Negligence : If liability is being alleged, an assessment of all parties contributions to the incident must be considered. If other parties contributed to or were responsible for the damages, the claim should be adjusted accordingly. 

Given these concerns, I request an immediate review of this dispute and a written response addressing the deficiencies outlined above. If this matter is not resolved appropriately, I am prepared to take further legal action, including seeking dismissal of the claim and any damages incurred due to improper allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute of Fraudulent Accounts and Unauthorized Bankruptcy Filing Under the Fair Credit Reporting Act ( FCRA ) and Related Consumer Laws To Whom It May Concern, I am formally disputing multiple fraudulent accounts and an unauthorized bankruptcy filing that have appeared on my credit reports with Equifax, XXXX, and XXXX in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The attached police reports from the XXXX Police Department XXXX XXXX # XXXX XXXX XXXX # XXXX ) substantiate that I am a victim of identity theft and financial fraud. 

Legal Grounds for This Dispute : 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or fraudulent information on my credit report.

The credit bureaus and furnishers must investigate within 30 days and remove fraudulent accounts per 15 U.S.C. 1681c-2 ( Fraud and Active Duty Alerts ).

Failure to remove verified fraudulent information is a direct violation of 15 U.S.C. 1681n & 1681o, which entitles me to damages and legal recourse.

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : Debt collectors must cease collection efforts on fraudulent accounts under 15 U.S.C. 1692g ( b ).

Reporting fraudulent debts as valid violates 15 U.S.C. 1692e ( 8 ), which prohibits false credit reporting.

3. Fraudulent Bankruptcy Filing ( 18 U.S.C. 157 Bankruptcy Fraud ) : The Chapter XXXX bankruptcy recorded on XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX ) was filed without my knowledge or consent. 
This fraudulent filing violates federal bankruptcy fraud laws ( 18 U.S.C. 157 ), and I demand its immediate removal.

Fraudulent Items to Be Removed Immediately : Creditor/Account Name Account Number ( Partial ) Date Opened Disputed Amount Notes XXXX XXXX XXXX XXXX XX/XX/XXXX {$73.00} Fraudulent account XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX {$320.00} Fraudulent account XXXX XXXX XXXX ( Filed in XXXX, IN ) XXXX XX/XX/XXXX ( Equifax ), XX/XX/XXXX XXXX XXXX ) XXXX  Fraudulent bankruptcy fili

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 non-monetary relief
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-07 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: KY

Complaint narrative:
My car was a total loss in XX/XX/year> by XX/XX/year> XXXX XXXX took ownership of the car. XXXX paid the remaining balance and XXXX paid too. A balance remains on my credit report along with XXXX past due payments that were not past due. I called the bank and they refused to talk with me about this. I was transferred to someone else who also refused to help with the account. I reported this information as incorrect on TransUnion and XXXX credit agencies. This is causing issues with my mortgage company and my credit report. XXXX XXXX  took ownership of this car and made payments. I am not liable for anything else on this car.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update the late payments from my consumer reports

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AL

Complaint narrative:
True accord is contacting me on behalf of XXXX XXXX. I have some financial difficulties right now which was why I stopped paying my XXXX bill. It was through no fault of my own. True accord want me to pay {$200.00} a month or hire. I simply can not afford to pay that high of payment. I can only afford to pay {$50.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reel Time Capital LLC
State: WI

Complaint narrative:
I had a debt with XXXX XXXX XXXX and XXXX XXXX XXXX provided me with the following info via email : " As a result, on XXXX, we sold the debt ( s ) listed above to Reel Time Capital, a third-party debt buyer. All inquiries regarding the debt ( s ) listed above should be directed to Reel Time Capital at the contact information listed below : Reel Time Capital XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' I have contacted Reel Time Capital and have not heard anything back from them. I have been working on this for over XXXX years and have not heard anything. Until XXXX XXXX - I got a very distressing phone call from a person threatening to take me to court for XXXX judgements against me and would not reveal why or from whom. I asked repeatedly and after XXXX minutes passed they disclosed it was on behalf of a debt to XXXX XXXX XXXX They then proceeded to call my ex-husband and leave a very concerning and threatening message to him about my debt as well as my parents, too. This has caused a lot of concern with my family and even for my ex-husband. I am trying to take care of this but am not getting anywhere with it. 

I feel that these areas of concern have all happened in regards to dealing with Reel Time Capital LLC - as well, they have not even revealed themselves by name to me on the phone call and messages they have been leaving : " Took or threatened to take negative or legal action ( threatened to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Contacted someone and share information improperly ( contacted employer, contacted you after asked them not to ) Communication tactics ( repeated phone calls, used abusive language ) Written notification about debt ( didn't receive, didn't know you could dispute debt ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi my name is XXXX XXXX my last 4 numbers of my social are XXXX, I am writing to formally dispute fraudulent accounts with XXXX XXXXXXXX XXXX and inquiries that have appeared on my credit report due to a data breach that compromised my personal information. I did not authorize these accounts, and I demand their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and Consumer Financial Protection Bureau

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX **XXXX  XXXX, XXXX **Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX XXXX*RE : Complaint Regarding Inaccurate Information on Credit Report and Non-Compliance with FCRA** Dear CFPB, I am writing to formally express my concerns regarding my recent credit report and to seek your assistance with issues related to a dispute I filed with Experian. Upon reviewing my credit report, I discovered that certain items have not been handled in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which I believe necessitates immediate attention. 

As a consumer reporting agency, Experian is mandated under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide written notice of the results of the reinvestigation within XXXX  business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not properly followed in my case. 

I kindly request that the CFPB look into this matter and assist me in ensuring that Experian complies with FCRA guidelines regarding my disputed items. I would greatly appreciate your prompt attention to this issue and any guidance you can provide in resolving it. 

Thank you for your attention to this urgent matter. I look forward to your swift response. 

Sincerely,

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 2025-03-07 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: CA

Complaint narrative:
There are over 10 inquiries on my credit report that I have disputed and that are not authorized with experience. I have gotten no results and they are legally reporting in accurate information with no solution. I need these inquiries off my credit report immediately. Under FCRA section 605b

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