vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing in response to your letter Subject matter of the account in question. After reviewing your response, there are several key points that need to be addressed under applicable law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

First, please be advised that XXXX XXXX is the holder in due course of this account, which is established as a private trust. According to UCC 1, the security interest and lien filings were not properly disclosed at the time of the alleged agreement, rendering the contract unenforceable. Furthermore, under HJR 192 and Public Law, this account should have been settled by a bill of exchange or another negotiable instrument, and no discourse or notification regarding such resolution was provided. 

Additionally, your response states that the account was charged off and subsequently sold to XXXX XXXX XXXX. However, it is important to clarify that under federal law, purchasing or collecting on a charged-off debt without proper disclosure or validation of the underlying security agreement is unlawful. XXXX XXXX, as the servicer of this account, has a fiduciary duty to ensure that all actions taken comply with the laws governing private trusts and consumer protection statutes. 

Furthermore, I dispute the assertion that the debt has been properly verified. The documentation provided does not constitute adequate proof of a binding contract or agreement with XXXX XXXX as required by the FDCPA. The verification process must include a clear, authenticated copy of the original agreement that includes all terms and conditions acknowledged by both parties at the time of inception. Additionally, please provide full disclosure of any assignments or transfers of interest related to this account, along with all transactional details. 

Please note that reporting this account to the credit bureaus, without resolving these legal concerns, violates 15 U.S.C. 1681s-2, which prohibits the furnishing of inaccurate or incomplete information. I request that you immediately cease reporting this account until the proper verification and settlement of this matter are complete. 

I expect a detailed response addressing each of the points raised, and I reserve my rights under applicable law. If I do not receive a satisfactory resolution, I will pursue further actions, including but not limited to filing complaints with the appropriate regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management XXXX for {$740.00} for credit card company I am unaware of/unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I was involved in a car accident in XXXX, I was living off my savings until XXXX. I havent fully recovered. I called sallie mae on XX/XX/XXXX at XXXX and spoke with a customer service rep. They told me before the 60 past due on my student loans a special department will call to work with me and prevent negative credit reporting. I called sallie mae tonight and found out no department like this exist and they can not help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$61000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for the XXXX XXXX. I was denied. This goes against 15 USC 1691 and 12 CFR 1002. I can not be denied credit through credit score, credit history, or income. Any adverse actions in a consumer credit transaction is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. 

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: OneMain Finance Corporation
State: GA

Complaint narrative:
One Main credit ran a report on my credit without my consent on XX/XX/year> I didn't give this company permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear TRANSUNION, I XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed no longer outstanding for the following item : Party owed : XXXX XXXX  Amount : {$20000.00} Account : XXXX Party owed : XXXX Amount : {$19000.00} Account : XXXX Party owed XXXX XXXX Amount : {$0.00} Account : XXXX Party owed : XXXX Amount XXXX {$0.00} Account : XXXX Party owed : XXXX / XXXX XXXX : {$2700.00} Account : XXXX Party owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Amount : {$230.00} Account : XXXX XXXX owed : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Amount : {$330.00} Account : XXXX Party owed : XXXX Amount : {$1600.00} Account XXXX XXXX I am Disputing these claim due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. In accordance with the fair credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I noticed a credit inquiry on my report that I did not authorize or apply for. This unauthorized inquiry is damaging my credit score. Despite reaching out to the creditor to dispute it, no proof of my authorization was provided, nor was the inquiry removed. I am requesting its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i do not recognize those iquiries in my credit reports. 



XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: OneMain Finance Corporation
State: TX

Complaint narrative:
It was brought to my attention upon checking my credit report. There is an account owned by One Main Financial opened around XXXX owed a debt. I have no knowledge of this account and has been confirmed fraudulent. They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership. They have validated my rights protected under 15 USC 1681 privacy and confidentiality.

As well as 15 USC, ; Regarding accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/year>. Bank failed to issue provisional credit in the amount of {$54.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/year> that I have not received any credit, nor any documents from them requesting any additional information on the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am not able to afford due to the interest rates. When I applied I was told as long as I pay on time I was good. All I pay is interest and what I pay extra goes towards the principal. I still owe so much and I cant afford it. I have called to set up arrangements with the company but they stated if I dont pay my car will be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I submitted a claim in XXXX against Navient with the CFPB regarding a student loan defense to repayment on a private loan with XXXX XXXX XXXX XXXX Navient still has not made a decision on my claim. There is no reason this loan should not be fully discharged and all payments made on it refunded. The school in question was shut down by the DOE for fraud, Navient and it's predecessor company were in on the lending practices.

There should be no further delay to clear this loan. Navient has been aggressive, and withholding information about there even being a defense to payment program for private loans. I have spoken with the XXXX  advocate and it was suggested that I sue Navient into arbitration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the the account number XXXX, A charge card opened at XXXX  on XX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX  XXXX on XXXX XXXX, XXXX under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my report, which is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you 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 explanation