vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Subject : Formal Notice of Violations and Request for Remediation Dear Midland Credit I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Midland credit has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. 

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by Midland credit besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on Midland credit providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ).

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC
State: PR

Complaint narrative:
I contacted to validate information more than 45 days ago and they have not given me information. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES. 

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE.

Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions.

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe.

Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES.

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE.

Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions.

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe.

Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I sent a check of XXXX to pay my student loans, and it was cashed on XX/XX/year>. It was NOT applied to my account and when I asked why they claim they can not find it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
In this complaint, am writing to file a formal complaint against caine and weiner for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that caine and weiner placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I allege that Caine & Weiner, a debt collection agency, is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. The date on my consumer report indicating that I opened an account with Caine & WEINER XXXX XXXX for {$170.00} is blatantly false. I neither received any services or products from Caine & WEINER nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I was not provided with a meaningful opportunity to dispute the debt before Caine & WEINER reported it to the credit reporting agencies. Violation of 12 CFR 1006.34 ( b ) ( 5 ) In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Caine and Weiner provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Caine and Weiner is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have inquiries on both my XXXX and Transunion credit report that I did not authorize my report to be reviewed.

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 2024-02-22 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: MO

Complaint narrative:
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 The list above is 3 fraudulent inquiries that are listed on my credit report that equifax will not remove XXXX have tried calling and mailing them and as part of the fair credit reporting act i demand that these fraudulent inquiries be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have a fraudulent card on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
A debt collection company by the name of NATIONAL CREDIT ADJUSTERS reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. I was not given any disclosures regarding this debt collection company. NATIONAL CREDIT ADJUSTERS is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is giving off implications that they may be an attorney. This is reflecting on my XXXX consumer disclosure report. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This is not the first time this company has been abusive. This company has been sued regarding multiple offenses of abusive deceptive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Subject : Formal Notice of Violations and Request for Remediation Dear Credit Collection Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Credit Collection Services has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by Credit Collection Services besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on Credit Collection Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ).

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I need Marcus to call me on XXXX to unlock my account and complete my fund transfer. 

My account has been locked for over 2 months and I have tried all the ways to unlock my account ( providing the correct information- my name, date of birth, secret word, AOI, social security number ) and called them 50+ times for over 10 hours to unlock my account. It still does not work. 

They say they will call me and email me and I did not receive any phone call or email. Are they calling on the updated number XXXX or the old number XXXX? Marcus by GS please call me on XXXX ASAP to unlock my account and complete my transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I trireme to withdraw my funds from square app and they said they deactivated my account and are holding my funds for 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Auto Trakk, LLC
State: MD

Complaint narrative:
I financed a car from a company called auto trak and i was making payments and then had got my own place and start my job got slow and i couldnt keep up with the payments and my apartment and so i had to give up my car unfortunately and where i was staying was high in rent and i got so behind i couldnt catch up and had to give up my place as well and the car was a XXXX XXXX XXXX which i purchased last year in XX/XX/XXXX and that car is not worth XXXX and im asking can i get a settlement and i just want to be flexible on repayments for them but i feel unease by a collections letter and i need help im just trying to get back on my feet im currently staying with a relative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from Equifax, XXXX, XXXX XXXX or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the recent reporting of a late payment on my account # XXXX, XXXX. Upon reviewing my credit report, I discovered that XXXX and XXXX XXXX XXXX incorrectly marked my accounts as 30 days late. This discrepancy is unwarranted and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-22 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief