vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX To whom it may concern, I am writing to follow up on my previous dispute letter from XX/XX/2024, requesting the removal of several disputed accounts from my credit report. As I stated in my initial letter, I have the right under the FCRA, to have inaccurate, incomplete, or unverifiable information removed from my credit report. It has been over 30 days since I submitted my last dispute letter and I have not received a response from Experian or an updated copy of my credit report reflecting the requested changes. I went on the consumer data base system and found out that XXXX XXXX XXXX is not licensed in the State of Indiana to collect debts. Under the FCRA, XXXX XXXX XXXX must be removed from my credit report immediately. Section 623 ( a ) ( 6 ) ( A ) states that a furnisher of information, such as a collection agency, must have reasonable procedures in place to ensure the maximum possible accuracy of the information it provides to consumer reporting agencies like Experian. By reporting an unlicensed collection account, XXXX XXXX XXXX has failed to meet this requirement. The inclusion of XXXX XXXX XXXX on my credit report, when they are not licensed to collect debts in Indiana, constitutes inaccurate information that must be corrected. 
XXXX XXXX XXXX-account-XXXX  XXXX XXXX XXXX Services-account-XXXX  has violated my Federally protected consumer rights. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I have sent the last dispute via certified mail. Tracking number:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by SPRING OAKS CAPITAL LLC against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ). Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt. Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt. Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : 1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report. Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. 
Specifically, I am seeking : XXXX. Verification and correction of the inaccurate information reported to consumer reporting agencies. 
XXXX. Detailed list of payments I made on this debt XXXX. Insurance claims claim filed on this debt XXXX. Signature I put on contract guaranteeing that I will pay Spring Oak Capital, LLC XXXX. Proof of chain of title to collect on this debt XXXX Requesting a purchase agreement between the collection agency, the original creditor myself, requested information needed within 15 days. Still have not received it. Proof of chain of title to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
During the course of about the past XXXX or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Orginal creditor : XXXX XXXX XXXX XXXX XXXX  agency : Sunrise Credit Service Date opened : XX/XX/year> Amount owed : {$460.00}

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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
During the course of about the past XXXX or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Original creditor : Advance America Account name : XXXX XXXX Adjust Date opened : XX/XX/2022 amount owed : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TrueAccord Corp.
State: FL

Complaint narrative:
A charge off is considered a certificate of endebtness which means it is taxable income and income can not be reported on credit report. Therefore delete/remove account. It is illegal to report a transaction history. 15 USC 6802-6805, and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt-Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted. Please delete the following accounts. XXXX  Balance {$12000.00}, XXXX XXXX XXXX {$3600.00}, XXXX XXXX Balance {$10000.00}, XXXX XXXX Bank XXXX {$2500.00}, XXXX  XXXX Bankruptcy reporting.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went to US Bank on XX/XX/2024 and asked about a personal loan, and maybe a credit card but I did not approve a credit card to be opened and was explicitly clear I did not want anything unless I got the loan approved for the amount I wanted. The banker had an accent and I had issues hearing them but I never approved anything for a credit card. 

It was a Friday afternoon so the underwriters had likely already gone home, I wasn't able to get a confirmation on anything by the time I left the bank. 

I received a call the next week asking to call the banker back, but I never contacted them or went back to the branch to approve anything. 

The credit card amount is XXXX the amount I was requesting for a loan, and serves no purpose other than to pad the bankers weekly numbers. Having previously worked at a bank I'm familiar with the XXXX  tactics these XXXX  managers try to force on their employees. The manager at that XXXX XXXX XXXX, XXXX XXXX, CA XXXX branch needs to be investigated.

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 2024-08-19 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: KS

Complaint narrative:
On XX/XX/year> I noticed my identity was stolen from my XXXX credit report, because I noticed it is unknown charges made to my account, which effected my Trans Union XXXX XXXX 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 2024-08-19 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: KS

Complaint narrative:
On XX/XX/year> I noticed my identity was stolen from my XXXX credit report, because I noticed it is unknown charges made to my account, which effected my XXXX XXXX XXXX Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
During the course of about the past three or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Original creditor : XXXX XXXX Account name : National Credit Adjust Date opened : XX/XX/year> amount owed : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
During the course of about the past three or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Original creditor : Speedy Cash Account name : XXXX XXXX XXXX  Date opened : XX/XX/2023 Amount owed : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX 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 2024-08-19 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: CA

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1100.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX 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 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I've sent NATIONAL CREDIT ADJUSTER several requests for validation of a debt on an account for which they advised that I owe {$900.00}. NCA has failed to validate the debt and continues to list the debt on my consumer credit reports. Please assist in having NCA remove the debt and rescind all collection activity in accordance with FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-19 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXXXXXX I got ohone call from portfolio recovery threatening legal action against me for a debt XXXX XXXX thr is XXXX yrs old are they XXXX in the amount of {$860.00} they are past state of limitations for XXXX fir XXXX they're threatening legal action which is illegal harassment and stressful if they cont they'll have a court case on em alright it won't b what they're expecting tho I promise them tht

Company response to consumer: Closed with non-monetary relief