vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
1. A copy of the original contract or original purchase agreement that created the alleged debt.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each chain of ownership.

3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 4. If any interest or fees have accrued or been added orgel the balance, please send proof that such fees are lawful agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of SOUTH CAROLINA including your Third-Part Debt Collection Bond 6. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am writing to formally dispute the reporting practices of Jefferson Capital related to my account number XXXX. 

I have made multiple attempts to resolve this issue by contacting Jefferson Capital, including mailing a letter and making numerous phone calls ; however, I did receive a response but Jefferson Capital did not answer any of my questions and decline to remove the closed account off my report, The account in question has been closed since XX/XX/year>, yet Jefferson Capital continues to report that I am past due in the amount of {$1300.00}. 

This reporting is inaccurate and misleading. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e and 1692f, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting an amount due on a closed account constitutes a violation of these provisions. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), a furnisher of information must not report inaccurate information to consumer reporting agencies. Jefferson Capital 's continued reporting of this account as past due is not only inaccurate but also harmful to my credit profile. 

In light of the above, I respectfully request that the CFPB investigate this matter and take appropriate action to compel Jefferson Capital to cease reporting this inaccurate information. I also request the removal of the negative entry from my credit report associated with this account. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: GA

Complaint narrative:
I was a victim of identity theft collector XXXX XXXX contacted me and was informed that I was a victim of identity theft I was told item would be removed from credit report police reports and fix report was provided to company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Account Number : XXXX Dear Experian, I am writing regarding the above-referenced account that was charged off and closed by your institution. The information reported to the consumer reporting agencies indicates that the account was charged off with an unpaid balance of {$22000.00} as of XXXX, XXXX. 

Pursuant to the requirements of the Internal Revenue Code ( IRC ) Section 6050P, creditors are required to issue Form 1099-C for cancellation of debt when the debt meets specific criteria, including being discharged, settled for less than the amount owed, or considered uncollectible. I am formally requesting that you review the status of this account and confirm whether it qualifies for debt cancellation. If applicable, please issue a Form 1099-C for the canceled portion of this debt.

Additionally, in accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this account from my consumer credit file upon verification of debt cancellation. As this debt is no longer collectible or reportable, continued reporting may constitute inaccurate information under FCRA Section 623.

To ensure clarity and compliance with applicable laws, I kindly request the following : 1. A written confirmation of whether Form 1099-C has been issued or will be issued for the account.

2. Removal of this account from my consumer credit file with all applicable consumer reporting agencies.

3. Documentation showing the resolution of this account, including any applicable codes or references under federal laws.

Please respond to this request within 30 days of receipt, as required by federal regulations. If further information is needed, you may contact me directly at XXXX or address listed above. 

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

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have On Your ACDV Form.. 


I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.

Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Account - XXXX  XXXX XXXX  Balance - XXXX Account - XXXX XXXX XXXX Balance - XXXX Account - XXXX XXXX Balance - XXXX Account - XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: DE

Complaint narrative:
I recently noticed numerous unauthorized credit inquiries on my TransUnion credit report that I have no knowledge of and have not approved. On XXXX XXXX, I contacted TransUnion in the form of a dispute, and TransUnion have yet to correct the issue. I also submitted a complaint to the FTC for identity theft. Heres a list of the inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX I called Chase Mortgage to ask for a payment deference to place one payment at end of mortgage to help us catch up [ I had recently changed jobs and it changed the way I was being payed ]. We were 23 days late one [ XXXX ] payment [ XX/XX/year> ] and even though I knew I had a bonus check coming in a few days and was going to make payment on XX/XX/XXXX, still thought it best to defer one payment if possible. They said they could help and that they would send me over to a specialist who handles those requests. After speaking to the man he said he would send me an information packet that would arrive in 3 days. After such time I received my pay check [ which I was expecting ] of {$2000.00}. My wife then payed Chase Mortgage the one payment to catch us up on XX/XX/year> of {$1000.00} and they instead took XXXX payments in the amount of at least {$2100.00}. It then of coarse over drew our account. I then found out XX/XX/XXXX so I called to figure out what was going on and complained somewhat about how they have facilitated to compound a balanced situation and caused it to become worse. So they then reversed payment which took a few days over XXXX XXXX and while other bills were clearing caused over drafts to occur. The Money eventually made it back into the account and by then other bills came out. The following week within 9 days of my first call they took another payment out NOT AUTHORIZED or approved by us in any way. We were late is all but now they have over drafted our banking account twice just because I inquired about help deferring a payment to the end. Now when we call Chase Mortgage an automated person says " they are trying to collect a debt '' and it's so infuriating that this institution could do this to me. They've taken 3 payments in 9 days when I only authorized one. I was 26 days late on one [ 1 ] payment. They are actively trying to ruin my finances in real time with access, somehow, to my bank account. I made on electronic payment they decided to do twice. I no longer want them to have access to my account remotely whatsoever ever. They have no right to take automatic payments we did not authorize! Our other Mortgage company never treated us with actions like this over an inquiry about a possible deferred payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of identity theft collector lvnv funding contacted me and was informed that I was a victim of identity theft I was told item would be removed from credit report police reports and fix report was provided to company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
Subject : Formal Complaint of Inaccurate Reporting Under the FDCPA and FCRA To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate reporting of my [ Creditors Name ] account, which violates provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific discrepancies and issues with the reported information : RE : XXXX XXXX  Account Information : Credit Limit : {$200.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$0.00} Payment History Discrepancies : For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, only one payment was posted in XXXX, but no payments were reflected for the first 11 months. 

This account was a secured account, and despite making timely payments, the secured funds were never returned upon the accounts closure. Additionally, the reported information lacks consistency with my payment history and financial records. 

FCRA Violations : Under the FCRA, credit reporting agencies and data furnishers are required to ensure the accuracy and completeness of information included in consumer reports. Specifically : Section 611 of the FCRA requires credit reporting agencies to reinvestigate disputed information to determine its accuracy or delete it if it can not be verified.

Section 623 obligates furnishers of information to provide accurate and complete data and correct any identified inaccuracies. 

The reported XXXX balance, coupled with inconsistencies in payment posting, creates a misleading record of my creditworthiness, which has directly impacted my financial standing. 

FDCPA Concerns : Furthermore, the FDCPA prohibits deceptive and unfair practices by creditors and collectors. Failing to reflect accurate payment information and withholding secured funds upon account closure may constitute deceptive practices under the Act.

Requested Action : I am requesting the following : A thorough investigation into the accuracy of the reported account information.

Immediate correction or removal of the inaccurate data from my credit report. 

A written explanation of the results of your investigation, as required by law. 

I am attaching supporting documentation, including my payment records and account statements, for your review. Please confirm receipt of this complaint and provide a response within the timeframe prescribed under the FCRA and FDCPA. 

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 2025-01-06 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: AZ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I'm a victim of identity theft and data breach where my information was compromised and used without consent. I submitted the FTC report to XXXX equifax XXXX and disputed the account twice XXXX XXXX and they are saying its verified when it was filed as fraudulent and not my record. I contacted the creditor. I will attach a copy to the report According to the fair credit reporting act 16 CFR 681.1 you are not following the proper protocol how are you reporting information that's not mine. Please remove this from my report as it is causing damage I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I'm a victim of identity theft and data breach where my information was compromised and used without consent. I submitted the FTC report to XXXX XXXX Experian and disputed the account twice XXXX XXXX and they are saying its verified when it was filed as fraudulent and not my record. I contacted the creditor. I will attach a copy to the report According to the fair credit reporting act 16 CFR 681.1 you are not following the proper protocol how are you reporting information that's not mine. Please remove this from my report as it is causing damage I did not do.

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