vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Subject : Formal Complaint Regarding Improper Sale of Collection Account** Dear CFPB, I am writing to formally submit a complaint concerning the mishandling of my collection account by Central Portfolio Control and the subsequent unauthorized sales to multiple creditors. This issue has caused significant confusion and distress, impacting my financial well-being and credit standing. 

Account Information : - Creditor Name : Central Portfolio Control - Account Number : XXXX - Current Balance : {$920.00} - Status : Collection account - Date XXXX - Date Last XXXX Details of the Complaint : 1. Improper Sales : My collection account has been sold multiple times to different creditors without notification. Each sale has occurred without providing me with the necessary documentation or reasons for the transfer. 

2. Lack of Accurate Information : The information being reported to these new creditors is inconsistent and inaccurate. This has led to discrepancies in my credit report, reflecting negatively on my credit score and financial reputation.

3. Violation of Rights : These actions appear to violate my rights under the Fair Debt Collection Practices Act, which requires proper validation and notification of debt transfers.

4. Unresolved Attempts : I have made several attempts to resolve this matter with the involved creditors. However, my concerns remain unaddressed, and I continue to face difficulties in obtaining accurate information and resolving the discrepancies.

Request for CFPB Assistance : I respectfully request that the CFPB investigate this matter to ensure compliance with debt collection laws and protect my rights as a consumer. I seek a resolution that includes accurate reporting of my credit information and proper documentation of any account transfers. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have miles on XXXX XXXX card and in XXXX I have my name on Capital one as ( XXXX XXXX ) and on Lifemiles the name was the same, so I was successful to transfer the miles, however before issue the ticket, the XXXX XXXX suggest me to proceed with a name change to match with my legal name, in order to avoid issues during the checking at airport. So I did change the name with them and proceed with the ticket issue. So, I was trying to transfer miles again to another partner XXXX XXXX XXXX XXXX ) so I create account with them as my full legal name ( XXXX XXXX XXXX first name ) and XXXX XXXX XXXX ( last name ) ), in order to match the names, I proceed with a name change on Capital one to my legal name. They did fast, however since the name change, the option to transfer the miles are greyed out and don't let me finish to transfer. If I remove the name, the button became available, however can't complete, because the blank name won't match with number. I strongly believe that is something simple on my account, maybe XXXX is placed on their system as XXXX XXXX instead of being part of my First name. The issue is that since XX/XX/XXXX they don't resolve and I am losing the opportunity to use the miles to issue the ticket on the dates that I want and they don't have any time frame to resolve this. It is very frustrating and I believe that this is not right and they don't care, just came with a canned answer and that's it, nobody take any accountability to resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Subject : Complaint Regarding Improper Reporting of Child Support Obligations by XXXX, Experian, and XXXX To Whom It May Concern, I am writing to formally request the removal of child support information from my credit reports maintained by XXXX, Experian, and XXXX. My contention is that child support obligations are not loans or revolving credit and, as such, should not be reported as credit accounts. The inclusion of this information misrepresents my credit profile and adversely affects my creditworthiness.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) Accuracy and Relevance of Information : 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting child support as a credit obligation does not accurately reflect the nature of this responsibility and may lead to misleading interpretations of my creditworthiness. 



2. California Family Code 4701 Reporting of Child Support Obligations : This statute requires the Department of Child Support Services to administer a statewide automated system for reporting court-ordered child support obligations to credit reporting agencies. However, the intent is to report delinquencies to aid in enforcement, not to classify child support as a traditional credit account. The current reporting method conflates legal obligations with credit liabilities, which is not the statute 's purpose.

Precedent Supporting Non-Classification as Credit : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the XXXX XXXX XXXX XXXX XXXX held that obligations not arising from a consensual credit transaction could not be reported as traditional credit accounts. While this case pertained to towing fees, the principle applies : non-consensual obligations, such as child support, should not be treated as credit accounts.

Request for Action : I respectfully request that the CFPB : Investigate the practices of XXXX, Experian, and XXXX concerning the reporting of child support obligations. 

Require these agencies to remove child support information from my credit reports, as it does not constitute credit under the definitions provided by relevant laws and precedents.

Ensure that future reporting distinguishes between legal obligations and credit accounts to prevent misrepresentation of consumers ' credit profiles.

Please confirm receipt of this complaint and inform me of the actions that will be taken to address this issue. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-01-29 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear CFPB I am writing to formally dispute an item in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681 ( o ), which establishes civil liability for negligent noncompliance with the provisions of the FCRA. This law holds entities accountable for improperly handling or failing to properly investigate information that negatively affects my credit history.

As outlined in 15 U.S.C. 1681 ( o ), if an entity fails to comply with the investigative requirements or correct errors in a timely manner, they are liable for the consequences of that failure. I believe that the incorrect information not only negatively impacts my credit score but also violates my rights under the FCRA.

I kindly request that an immediate investigation be conducted into this matter and that corrective measures be taken to rectify any inaccuracies in my credit report. If this matter is not resolved promptly, I reserve the right to pursue any necessary legal actions under the law.

I look forward to your prompt resolution of this issue. Thank you in advance for your attention and cooperation.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
Dear CFPB I am writing to formally dispute an item in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681 ( o ), which establishes civil liability for negligent noncompliance with the provisions of the FCRA. This law holds entities accountable for improperly handling or failing to properly investigate information that negatively affects my credit history.

As outlined in 15 U.S.C. 1681 ( o ), if an entity fails to comply with the investigative requirements or correct errors in a timely manner, they are liable for the consequences of that failure. I believe that the incorrect information not only negatively impacts my credit score but also violates my rights under the FCRA.

I kindly request that an immediate investigation be conducted into this matter and that corrective measures be taken to rectify any inaccuracies in my credit report. If this matter is not resolved promptly, I reserve the right to pursue any necessary legal actions under the law.

I look forward to your prompt resolution of this issue. Thank you in advance for your attention and cooperation.

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 2025-01-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as SYNCB/PPC, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent.

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
XXXX Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ) to have this account removed from my report.

I contacted SYNCB/PPC to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.

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 2025-01-29 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: GA

Complaint narrative:
I am writing to dispute XXXX failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, XXXX has failed to remove multiple hard inquiries that have already been deleted by XXXX. This discrepancy indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and raises concerns about the accuracy and fairness of your reporting practices.

The following unauthorized or inaccurate inquiries remain on my XXXX credit report despite being removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA ( 15 USC 1681i ), XXXX is required to conduct a thorough reinvestigation of disputed items and ensure that the information it reports is accurate. If XXXX, another major credit reporting agency, has deleted these inquiries based on its investigation, then XXXX should reach the same conclusionunless it can provide verifiable evidence proving otherwise. If the same data furnishers are reporting to multiple credit bureaus, then all reports should reflect identical and accurate information. 
XXXX continued reporting of these inquiries, despite a failure to verify their legitimacy properly, constitutes willful noncompliance under 15 USC 1681n. If this issue is not resolved promptly, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me.

I demand that XXXX immediately : 1. Conduct a proper reinvestigation into these disputed inquiries.

2. Provide specific details on how these inquiries were verified, including the methods used and the data relied upon.

3. Permanently remove the listed inquiries from my credit file.

4. Provide me with an updated credit report reflecting these corrections.

For your reference, I have attached : A copy of my XXXX credit report, showing the deletion of these inquiries.

Prior dispute correspondence.

A copy of my identification for verification purposes.

I expect a full resolution of this matter within the 15-day period required by law. 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 2025-01-29 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of the following account on my XXXX XXXX Experian credit report, as it contains inaccurate and unverifiable information in violation of federal law. Account Name : XXXX XXXX XXXX Account Number : XXXX Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to cease collection activities unless and until they provide proper verification of the alleged debt, a copy of any judgment, or the name and address of the original creditor. To date, I have not received such verification for this account. Therefore, it must not be reported on my credit file without proper validation. Additionally, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all reported information is 100 % accurate across all three major credit bureausExperian, XXXX, and XXXX. If this account is not verifiably accurate, it must be promptly removed from my credit report. I request that XXXX immediately investigate this matter and provide verification of the alleged debt. If verification can not be provided in compliance with federal law, I demand that this account be permanently deleted from my credit file. Please provide a written response confirming the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, 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 2025-01-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain information on my credit report, as I believe it to be inaccurate and a result of negligence on your part, which has caused damage to my credit standing. This letter serves as my notice of dispute and request for investigation in accordance with Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds consumer reporting agencies civilly liable for negligence in maintaining accurate and updated information.

I request that you thoroughly investigate these items and provide me with a response in writing, including an explanation of any corrections made. I would also appreciate it if you could provide me with the name, address, and telephone number of any sources used during the investigation.

As per the FCRA, you are required to ensure that the information in my credit report is accurate and up to date. Failure to fulfill these duties is a violation of the law, and I am invoking my right to seek damages as per 15 U.S.C. 1681o, which provides for civil liability in cases of negligence in the handling of consumer information.

Please confirm in writing that this dispute has been initiated and provide a timeline for the completion of your investigation. I also request that you send me a corrected copy of my credit report once the dispute has been resolved.

Thank you for your prompt attention to this matter. I look forward to your swift and thorough resolution.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation