vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XX/XX/XXXX, and my current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My legal name is XXXX XXXX XXXX. My phone numbers are XXXX XXXX XXXX. I have been residing at my address for the past 18 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is where I used to live.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XXXX XXXX XXXX and my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX. My phone numbers are XXXX XXXX XXXX I have been residing at my address for the past 18 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is where I used to live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sunbit, Inc.
State: GA

Complaint narrative:
Complaint Against TAB/SUNBIT for Failure to Respond to Debt Validation Letter. 

Dear Sir/Madam, I am writing to file a formal complaint against TAB/SUNBIT for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, TAB/SUNBIT has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided TAB/SUNBIT with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, TAB/SUNBIT has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that TAB/SUNBIT fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 



Please find enclosed a copy of my original debt validation letter sent to TAB/SUNBIT for your reference. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards. 
3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices. 
4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX the balance updated is XXXX XXXX Transunion the balance updated is XXXX XXXX. XXXX the balance updated is XXXX XXXX. These are inaccuracies. 

XXXX, XXXX and Transunion do not contain last payment date. These are inaccuracies. 

XXXX has account type as debt buyer. Transunion has account type as an open account. XXXX has account type as an open account. These are inaccuracies. 

XXXX has status as collection account. Transunion does not have anything listed for status. XXXX does not have anything listed for status. These are inaccuracies.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates illegally filed a lawsuit against me to collect an alleged unproven debt. I never received any correspondence by mail, email, or phone about this debt before they filed suit. I didn't know about the lawsuit until I received an offer from a lawyer to represent me in the lawsuit. PRA filed the suit on XX/XX/XXXX for the amount {$2600.00} and my first and only phone conversation with them was on XX/XX/XXXX from someone attempting to set up a payment plan on this unsubstantiated debt. I repeatedly asked to speak with the litigation department and the woman claimed to be from the collection/litigation department and I told her I have never received any notice or phone call before this. I also told her I was very confused and upset because I didn't know about this debt and wanted to speak with someone. She offered to send me an application for their hardship program. I was a victim of identity theft in XXXX, which she claimed the debt is from. In my answer to the lawsuit, I requested that PRA validate this debt, that they in fact own the debt, to prove my identity, and the alleged amount because the documents they attached to the petition/complaint looked to be copies from the internet with no real proof of the debt. There has been no response to that request. I have since filed a motion to dismiss and compel arbitration and have not heard anything from them. My court date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I signed with XXXXXXXX XXXX XXXX and was not aware of my loan was transferred to Mr. Cooper without my knowledge or consent to find out XXXX years later when they are harassing me to pay them and if not, they are going to foreclose on my mortgage. I'm asking XXXX XXXX when did the transfer happened and why, I did not consent to the transferring of my personal information, nor did I consent to the transfer. The NOTE says the I've paid {$86000.00}, for my property and the WARRANT DEED says I gave {$10.00} was even equivalent to {$86000.00}, So what is the Afflation with Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-03-10 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: I.C. System, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I write to you with grave concern regarding potential violations of consumer rights and unlawful debt collection practices perpetrated by the Collection Company. It has come to my attention that the Collection Company has engaged in unauthorized and unverified collection activities, resulting in unwarranted negative entries on my credit report, thereby impugning my financial integrity and reputation. 

The actions undertaken by the Collection Company raise serious questions regarding compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), both of which are designed to protect consumers from abusive debt collection practices and ensure the accuracy and integrity of credit reporting. 

Specifically, the Collection Company has failed to provide substantiation or validation for the purported debts it alleges I owe. Despite repeated requests for documentation supporting the validity of these debts, the Collection Company has demonstrated a lack of transparency and accountability, in clear contravention of the mandates outlined in the FDCPA. 

Furthermore, I am deeply troubled by the manner in which the Collection Company has obtained and utilized my personal information without lawful authorization. The dissemination of derogatory and unsubstantiated credit reporting entries without proper validation not only violates the FCRA but also compromises fundamental principles of consumer privacy and data protection. 

It is imperative that the Collection Company be held accountable for its actions and be required to furnish irrefutable evidence substantiating its legal authority to collect debts purportedly owed by me. This necessitates the provision of a bona fide collection contract or agreement, authenticated by both parties and compliant with legal requirements for the assignment of debt collection rights. 

Moreover, I categorically refute any assertion of indebtedness to the Collection Company, as I have neither entered into contractual obligations nor consented to remit funds to this entity. The absence of a lawful agreement or valid authorization renders any claims of indebtedness spurious and devoid of legal merit. 

In light of the foregoing, I urge the Consumer Financial Protection Bureau to initiate a thorough investigation into the Collection Company 's practices. XXXX and decisive action is necessary to safeguard consumer rights, rectify the injurious consequences of unlawful debt collection practices, and ensure compliance with federal laws. 

I am prepared to provide any additional information or documentation necessary to facilitate a comprehensive investigation into 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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They pulled my credit score without my consent said they closed my account which has always had 100 % payment on time and was at XXXX  because I have no real estate. That is discrimination and has nothing to do with my ability to pay my accounts. They didnt warn me at all.

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