vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Request for Immediate Validation or Removal of Disputed Account XXXX  ( Original Creditor : XXXX  ) Dear [ TransUnion, XXXX, XXXX ], I am writing to formally dispute and demand immediate validation of the XXXX account ( Original Creditor : XXXX  ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$170.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Account Status : Derogatory/Collection/Chargeoff I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information reported. In accordance with the FCRA, I request that you validate this account or remove it from my credit report. Specifically, I demand : Original documentation proving that I authorized the opening of this account. 
Records showing any payments or transactions made under this account. 
Verification from the original creditor, Spectrum, that I am responsible for this debt. 
The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g also mandates that any collection agency must provide validation of a debt when requested. Reporting unverified or inaccurate information constitutes a violation of both the FDCPA and FCRA. 

Moreover, XXXX5 U.S.C. 1681s-2 ( b ) requires that the credit bureau must stop reporting the disputed account until it is verified. If you can not provide verification of this account, I demand that it be removed from my credit report immediately, as is my right under these laws. 

Please provide written confirmation of your investigation within the 30-day period as stipulated by law. If this account is not validated or removed promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Portfolio Recovery, a third-party debt collector that is currently reporting a debt on my credit report. Despite my request for a validation letter to confirm the legitimacy of this debt, they have failed to provide the necessary information. 

I am particularly concerned about the following issues : Lack of Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, including the name of the original creditor and proof of their legal authority to collect on this debt. Portfolio Recovery has not complied with my request, leaving me with no clarity regarding the validity of this debt. 

Unknown Origin of Debt : I do not have any information about the original debtor, which raises questions about the legitimacy of the claim against me. The inability to identify the source of this debt further complicates my ability to respond appropriately.

Impact on Credit Report : The presence of this unresolved debt on my credit report is negatively impacting my credit score and overall financial standing. Without the proper documentation to validate this debt, I believe it is unjust to have it reflected on my report. 

Given these circumstances, I kindly request that the CFPB take immediate action to investigate Portfolio Recoverys practices regarding this debt. I am requesting that they be compelled to provide the validation letter I requested, or alternatively, that this debt be removed from my credit report due to their failure to comply with my request. 

I appreciate your attention to this serious matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Moore Law Group
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX Email : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX To Whom It May Concern, I am writing to file a formal complaint against an individual named XXXX XXXX XXXX who falsely represented himself as an attorney while attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692e, which prohibits deceptive or misleading representations by debt collectors. 

Summary of Events : On XX/XX/year>, I was contacted via email by XXXX XXXX, who claimed to be an attorney representing XXXX XXXX XXXX XXXX in connection with an account allegedly held under my name ( XXXX XXXX XXXX XXXX ). 
During our correspondence, I questioned XXXX XXXX claim, and he reaffirmed that he was indeed an attorney. Based on this assertion, I provided personal information pertinent to the matter at hand. 
However, XXXX XXXX later failed to provide any contact information for XXXX representatives, which raised a red flag. I then requested XXXX XXXX XXXX ID number to verify his credentials. 
Upon requesting this verification, XXXX XXXX immediately ceased communication, further indicating that he had been misrepresenting himself as an attorney. 
XXXX XXXX appears to be an employee of The Moore Law Group, A Professional Corporation, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Their contact number is ( XXXX ) XXXX. 

Violation of the FDCPA : In accordance with 15 U.S. Code 1692e ( 3 ), a debt collector may not falsely imply or claim to be an attorney, or that communication is coming from an attorney. This was clearly violated in this case as XXXX XXXX falsely represented himself as an attorney with the intention of deceiving me. Such deceptive behavior is also covered under 15 U.S. Code 1692k, which holds individuals accountable for willful violations of the act. 

I have retained the email thread as proof of this misrepresentation and can provide it upon request. 

I respectfully request the CFPB to investigate this matter and take appropriate actions against XXXX XXXX, The Moore Law Group, and any associated parties, including XXXX, XXXX, if they are complicit in employing deceptive practices for debt collection. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response and action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed.

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.

Equifax 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! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
I closed on a home mortgage in XXXX XXXX my new loan servicer was to be SC Housing . I have had them for XXXX months and made both payments well before the due date. I came home on XXXX to a yellow door hanger asking me to call them. 

I was frantic and had to wait until XXXX because it was after getting home from work. I spoke to them and they said the notices are left when someone does not make a payment on mortgage for at least XXXX months or if it is late. I have records showing the payments have been made and deducted from my bank account. He checked the records and said he sees and it must have been an error. 

ERROR? You sent someone to my house suggesting payments have not been made- to appear like a foreclosure or eviction notice causing embarrassment and XXXX. I do not believe the person and need to have something in writing to know that this is true and factual and also to know that this will not happen again. I do not have faith in the SC Housing at this point and am concerned about how my payments are being applied at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I received a notice that my credit was ran on XX/XX/year> for a FEB/Destiny Card. I didn't make the request nor am i familiar with this company. I called the company and they expressed to me that a account was never opened with them. However i didn't make the attempt to establish credit with them. It dropped my score by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I authorized Capital One ( via my capital one mobile app ) to transfer {$4000.00} from my external account at XXXX XXXX XXXX XXXX to my capital one savings account on XX/XX/year>. I selected XX/XX/year> as the date the transfer should occur. On XX/XX/year> in my XXXX XXXX XXXX XXXX account XXXX ACH withdrawals to Capital One of {$4000.00} each were completed. I contacted XXXX XXXX XXXX XXXX and they said I had to contact Capital One as the ACH originated there. I contacted Capital One on XX/XX/year> to be told all they could find in their records was an authorization for one {$4000.00} transfer and they had no record of the second ACH transfer for {$4000.00}. XX/XX/year> I viewed my account at XXXX XXXX XXXX XXXX and a third {$4000.00} ACH Capital One transfer was completed. I viewed my Capital One account on XX/XX/year> and it showed 2 {$4000.00} ACH transfers completed and one pending. I contacted Capital One and they said it's an issue the bank identified yesterday that is also affecting other customers. They had no time frame or how it would be resolved. Of the 3 {$4000.00} ACH transactions I only authorized one. How can the bank automatically complete 2 in my account without my authorization. I believe they are in violation of bank laws regarding authorized transactions with linked external accounts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital for reporting an inaccurate balance on my credit report. The balance was already satisfied with the original creditor, yet Jefferson Capital is reporting a higher amount. Furthermore, I was never notified that this debt was sold to Jefferson Capital, and I have received no correspondence from them, making this claim hearsay and their practices unethical.

Under the FCRA, Jefferson Capital is required to report accurate information and conduct a reasonable investigation into disputes. Their failure to do so mirrors the case XXXX XXXX XXXX, XXXX, where the court ruled against the collection agency for similar violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2024-10-02 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: CO

Complaint narrative:
XXXX XXXX XXXXXXXX incorrectly reported a 30 day late payment in XXXX, but it was there mistake and not on my account. They have reversed the issue on their side so that it shows my account was always paid on time and never late. The bank has also sent in ( several times ) the corrected information to the reporting agencies, but this has never been removed.

Company response to consumer: Closed with non-monetary relief