vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by National Credit Systems. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted National Credit Systems authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ). 2. Provide sufficient a
nd documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
8 months of incorrect information is being reported on my Transunion 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Someone has tried to apply for credit card and auto loan accounts using my social security number and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone has tried to apply for credit card and auto loan accounts using my social security number and personal information.

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 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Diversified Adjustment. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections.

I want to make it clear that I have not granted Diversified Adjustment authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness.

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report.

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report.

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to TILA, FCRA, and others.

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian and XXXX continue to violate the law and my rights by not properly investigating information that remains on my credit report. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, the law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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.

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 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
Dear Sir/Madam, I am writing this complaint to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by LVNV Funding raises legal concerns about its validity.

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and LVNV Funding continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, LVNV Funding may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act.

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

I anticipate your swift attention to this matter to ensure its lawful resolution. 

Sincerely, Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint against TransUnion in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : 1. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8800.00} The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Original Creditor : XXXX The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Original Creditor : XXXX  The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8400.00} The account with XXXX XXXX was never late, and I insist that TransUnion immediately removes the late payment status associated with this account 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a home depot card through citibank and they have closed my account with no fault of my own no balance and the reason they did is not true and do not know where they come up with there fictitious reasons this is the second time they have done this and have no regards to someones credit and how they expect us to have good credit when they first give you a credit limit of XXXX and then XXXX and then today the said they closed my account have never missed a payment and said there was something on my credit that is not true my accounts are all current and there has been no late payments and have not to them at all this is the second card they have done this too me do they ever think how this hurts the home depot which has been having problems can understand why i mean what kind of people are they giving credit too i think this is unfair without them investigating most things are wrong on your credit reports anyhow which is unfair to us i mean first of all we get a ding for applying for one and then lower your credit limit and then that is another ding and then close it that is a major ding im so tired of these companies getting away with hurting our credit when we pay our bills and work very hard to do so XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
XX/XX/2023 I filed a dispute with the credit bureau about a bankruptcy listed on my credit report. The credit company explained that the bankruptcy listed was provided by the circuit Court. I wrote to the circuit Court clerk and they sent a letter stating that they did not give my information to a credit reporting agency. I sent a letter to the credit and provided them with a copy demanding they remove the it. They violated my rights under the permissible purpose law and also violated my rights as a natural person. I would like for this item to be removed 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
After carefully reviewing my updates, I discovered incorrect information in my credit reports. TransUnion Credit Bureau has failed to adhere to the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continued reporting unverified information without providing any evidence within the legally mandated time frame. As a result, this unauthorized reporting includes the following inquiries on my credit reports : XXXX  on XX/XX/XXXX, XXXXL XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/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