vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Charge-Off Reporting Credit Collection Service Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute the accuracy and legality of a charge-off reported by Credit Collection Service ( XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX on my credit report.

Upon reviewing my credit file, I identified significant inaccuracies in the reporting of this account. I believe the company has violated consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically regarding the handling and reporting of charge-offs. 

Key Concerns : 1. Incomplete and Inaccurate Reporting : The reported charge-off contains errors that suggest it is not in compliance with FCRA Section 623, which mandates data furnishers to report accurate and complete information.

2. Discrepancies in Key Dates : The Date of Last Reporting ( DLR ) and Date of Last Activity ( DLA ) listed for this account are inconsistent and do not accurately reflect the true history of this account. These inaccuracies violate FCRA provisions requiring precise and truthful reporting of account details.

3. Debt Validation Request Ignored : Under FDCPA Section 809 ( b ), I have the right to request validation of the alleged debt. Credit Collection Service failed to provide sufficient validation despite my written request.

4. Improper Collection Practices : I suspect the charge-off was improperly calculated and misreported to credit bureaus, potentially violating FDCPA and FCRA standards for fair and accurate reporting.

Given these violations and the inaccurate reporting of the DLR and DLA, I respectfully request that this account be permanently removed from my consumer report as it fails to meet the requirements set forth by federal law.

To assist in your investigation, I have attached copies of my credit report, prior correspondence with Credit Collection Service, and relevant documents for your review.

Thank you for your assistance. I look forward to a prompt resolution to this matter. Please feel free to contact me at XXXX or XXXX for further details. 

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
KOHLS The payment history for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> is inaccurate and reflects a charge-off payment history, which does not represent accurate or truthful information. I request that you update the payment history to reflect correct information or delete the account entirely from all consumer reporting agencies. In XXXX v. XXXX XXXX. XXXX XXXX XXXX, the court emphasized that repeated reporting of inaccurate charge-off information is misleading and distorts a consumers credit profile. Such practices harm consumers and undermine the integrity of credit reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information you report. I demand that this error be corrected immediately and that you provide a detailed explanation of how the information was verified.

Failure to address this matter promptly will leave me no choice but to escalate the issue through all available legal and administrative channels, including filing complaints with the CFPB, FTC, and state attorney general 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamtion of character ). XXXX XXXX XXXX XXXX. {$2600.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 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 2024-12-01 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: NM

Complaint narrative:
I am writing to dispute the accuracy of an account reported by XXXX  on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from misleading debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The High Credit amounts differ across bureaus : {$480.00} ( XXXX ), {$340.00} ( Equifax ), and {$0.00} ( XXXX ). Additionally, the Account XXXX Date is inconsistent. These discrepancies violate 15 U.S.C. 1681e ( b ). 
XXXX. Discrepancy in Last Reported Dates : The Last Reported dates vary : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). These inconsistencies indicate a failure to maintain accurate and updated information. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/XXXX ( XXXX and XXXX ). If no activity has occurred since then, this account may be nearing or exceeding the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
XXXX. Unauthorized Transfer or Sale of Debt : I did not agree to any payment or authorize the transfer or sale of this account to another party. Reporting this account as Purchased by another lender without consent violates 15 U.S.C. 1692e of the FDCPA. 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than XXXX years from the date of first delinquency. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information. 
XXXX. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: CO

Complaint narrative:
Tge lvnv funding I know nothing about this acount a dispute was filed with the legal department and the cfpb on this account. And still applied XXXX XXXX XXXX dispute. I want the letter from my XXXX XXXXXXXX Trustee that approved the new debt. Or the letter to incur new debt under federal laws I have to have that letter.

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 2024-12-01 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: CO

Complaint narrative:
Tge lvnv funding I know nothing about this acount a dispute was filed with the legal department and the cfpb on this account. And still applied XXXX XXXX XXXX dispute. I want the letter from my XXXX XXXXXXXX Trustee that approved the new debt. Or the letter to incur new debt under federal laws I have to have that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Received a letter today ( XX/XX/year> ) the my chase college checking account was being closed and the letter stated that they were closing the account due to the bank secrecy act, and they had identified concerning activity, but there hasnt been much acitvity my grandparents had giving me XXXX dollars for me to be able to pay on they behalf and a additional XXXX as a XXXX new years gift which where deposited separately a week apart and I had just opened a XXXX savings and checking account so be meet the new account bonuse I had transferred the majority of my funds leaving enough for the credit card payments, additionally because of this I deposited XXXX XXXX for there to be sufficient funds in the account for my credit card payments. I hope this is sufficient information about my transfers but I dont think this is out of the ordinary. I hope to get a better understanding if what I did to lead to chase closing my account. I have only received a letter and nothing digitally. Something else that may have caused this is my credit journey has been not working for about XXXX months now. I have contacted and visited a chase branch many times regarding this issue to no avail. Hope I can get a better understanding of why it is happening as I think this might be just an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The Date Opened differs : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates the FCRAs requirement for accuracy and consistency in reporting. 
XXXX. Disputed Account XXXX : XXXX : Account information disputed by consumer, meets FCRA requirements. 
XXXX : Customer disputed account - reported by subscriber. 
These comments are inconsistent and may mislead creditors about the resolution status of the dispute. 
XXXX. Outdated or Improper Reporting : The Date Last Active for XXXX is listed as XX/XX/XXXX, but the Last Reported date is XX/XX/XXXX. If no activity occurred since XXXX, the account may no longer be eligible for reporting under FCRA guidelines, as negative information ( e.g., collections ) must be removed after XXXX years from the date of first delinquency. 
XXXX. No Payment History Provided : There is no clear payment history or supporting data to indicate when the account became delinquent or how it reached Collection/Chargeoff status. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in the Date Opened and inconsistent dispute comments violate this standard. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative information such as collections must not be reported after XXXX years from the date of first delinquency. If the accounts delinquency began in XXXX, it may be close to or past the allowable reporting period. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If the dispute was filed but the status remains inconsistent or inaccurate, this indicates a failure to properly investigate the dispute. 
XXXX. XXXX5 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX XXXX may be providing outdated or misleading information to the credit bureaus, especially regarding the accounts disputed and derogatory status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
I used a deferment to pay off my account with this company during/after the pandemic. They granted the deferment and then reported on my credit report that I had a late or late payments which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Early Warning Services, LLC
State: PA

Complaint narrative:
Someone open these accounts under my name. I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX currently in a class action lawsuit for fees and over charging tenants. The house had over XXXX water leaks and it was raining in the house so I stopped paying the rent until they made the repairs as they were in direct violation CA civil code section 1941 et seq. They took me to court for the unpaid fees, we went to mediation and during mediation they told me to just accept the fees so XXXX would pay and they will make the repairs to the property and I just have to agree to pay the balance. I paid the balance for almost the year and they still did not make any of the repairs. The XXXXXXXX XXXX XXXX XXXX came out and condemned the property and we were forced to vacate the property immediately, due to the active mold and mildew that was XXXX. We lost all of furniture and lots of personal items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: VA

Complaint narrative:
I have informed Experian multiple times that the XXXX account that they are reporting was fraudulently obtained and that it was not I who initiated that account. I have also contacted XXXX in regards to that identity theft, to no avail, they still insist on harassing me with bill collectors. i also did not give XXXX permission to report anything to any credit reporting agency per 15 USC 6802, as well as 15 USC 6801 and 15 USC 1681. I have also written multiple cease and desist letters to both XXXX and Experian, to no avail.The date that this unauthorized account was opened was XX/XX/year>, with a collections amount of {$310.00}. I have also made request to both companies that i am exercising to opt out per 15 USC 6802.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-12-01 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year> a late payment was inaccurately reported. I requested information from all three credit bureaus to retrieve the method of verification and never received a response. After XXXX days it's supposed to be a violation of the CFPB. 

I requested the following : - The name, address, and telephone number of the entity or individual that provided the verification information. 
- A detailed description of the procedure used to verify the accuracy and completeness of the information. 
- The date when the information was verified. 
- Copies of any documents, records, or evidence used in the verification. 
- Records or summaries of all communications between all three bureaus and XXXX XXXX XXXX concerning this dispute.

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 2024-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year> a late payment was inaccurately reported. I requested information from all three credit bureaus to retrieve the method of verification and never received a response. After 15 days it's supposed to be a violation of the CFPB. 

I requested the following : - The name, address, and telephone number of the entity or individual that provided the verification information. 
- A detailed description of the procedure used to verify the accuracy and completeness of the information. 
- The date when the information was verified. 
- Copies of any documents, records, or evidence used in the verification. 
- Records or summaries of all communications between all three bureaus and XXXX XXXX XXXX concerning this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : 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 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 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with explanation