vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Midland Credit Management , Inc. ( MCM ) due to their failure to validate a debt upon request, their questionable authority to collect the said debt, and their inaccurate reporting practices. Below, I will outline the issues, supported by relevant legal provisions, and request the removal of the disputed accounts. 

1. Failure to Validate Debt Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), when a consumer disputes the validity of a debt in writing within 30 days of being notified, the debt collector must cease collection efforts until they provide proper validation of the debt. Despite my repeated requests to MCM for debt validation, they have failed to provide sufficient documentation proving that they have the legal authority to collect the debt. This failure is a clear violation of the FDCPA. 

2. Authority to Collect the Debt I have disputed whether MCM has the authority to collect the alleged debt. MCM has failed to provide any legal documentation or assignment of debt proving they are authorized to collect on behalf of the original creditor. This raises further concerns about their compliance with FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers of information to ensure the accuracy and completeness of data reported to credit bureaus. 

3. Inaccurate Reporting Based on the attached documentation, there are clear errors in MCMs reporting of the disputed accounts to the credit bureaus, including discrepancies in the Date Last Active, Last Reported Date, and the reported balances. Specifically : The Date Last Active and Last Reported Date are inconsistent across reports, violating FCRA 607 ( b ), which mandates maximum possible accuracy of information in credit reporting. 
The account is being reported as a Collection/Chargeoff despite my disputes and the lack of validation, violating FCRA 623 ( a ) ( 2 ), which obligates furnishers to promptly update and correct information after receiving notice of a dispute. 

4. Errors in Reporting In addition to the above, discrepancies in the payment status and remarks ( e.g., Placed for Collection ) demonstrate a lack of compliance with the legal obligation to report accurate and up-to-date information. These errors can have severe negative consequences for my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Removal of Incorrect Charge-Off Information Dear XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT Account Number : XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The entry in question, reported as a charge-off, does not accurately reflect the nature of the account. 

The debt in question should be classified as income rather than a charge-off. According to the IRS guidelines, when a creditor cancels a debt, it is considered income, and a Form 1099-C ( Cancellation of Debt ) should have been issued for me to report this as taxable income. As such, this is not a debt but rather income that should not be reported on a credit report. 

I kindly request that you investigate this matter and remove the incorrect charge-off entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only accurate information is reported. Since this entry is inaccurately classified as a charge-off, I urge you to correct or remove it promptly. 

Please notify me of your findings and any actions taken to resolve this matter. I appreciate your attention to this issue and look forward to your prompt response. 

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Removal of Incorrect Charge-Off Information Dear XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT Account XXXX XXXX XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The entry in question, reported as a charge-off, does not accurately reflect the nature of the account. 

The debt in question should be classified as income rather than a charge-off. According to the IRS guidelines, when a creditor cancels a debt, it is considered income, and a Form 1099-C ( Cancellation of Debt ) should have been issued for me to report this as taxable income. As such, this is not a debt but rather income that should not be reported on a credit report. 

I kindly request that you investigate this matter and remove the incorrect charge-off entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only accurate information is reported. Since this entry is inaccurately classified as a charge-off, I urge you to correct or remove it promptly. 

Please notify me of your findings and any actions taken to resolve this matter. I appreciate your attention to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Removal of Incorrect Charge-Off Information Dear XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT Account Number : XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The entry in question, reported as a charge-off, does not accurately reflect the nature of the account. 

The debt in question should be classified as income rather than a charge-off. According to the IRS guidelines, when a creditor cancels a debt, it is considered income, and a Form 1099-C ( Cancellation of Debt ) should have been issued for me to report this as taxable income. As such, this is not a debt but rather income that should not be reported on a credit report. 

I kindly request that you investigate this matter and remove the incorrect charge-off entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only accurate information is reported. Since this entry is inaccurately classified as a charge-off, I urge you to correct or remove it promptly. 

Please notify me of your findings and any actions taken to resolve this matter. I appreciate your attention to this issue and look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-01-04 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: Self Financial Inc.
State: CA

Complaint narrative:
I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF WITH NO ASSISTANCE IN DOING SO. THE ACCOUNTS MENTIONED IN THIS COMPLAINT ARE UNAUTHORIZED AND OR FRAUDULENT WITHOUT MY CONSENT. I REQUEST AN INVESTIGATION BE CONDUCTED ON THE VALIDITY/ACCURACY OF THE SPECIFIED ACCOUNT. THIS COMPLAINT REQUIRES IMMEDIATE ATTENTION & SHOULD BE ADDRESSED ACCORDINGLY UNDER THE FCRA. I ASK THAT YOU ALL PROMPTLY DELETE/REMOVE THE SPECIFIED ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This company is reporting information on my consumer report that is not authorized by me, the consumer. It is against the federal laws to report said information against my authorization.

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 2025-01-05 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: VA

Complaint narrative:
company as well as the credit bureaus were sent dispute letters showing the inaccurate errors on my report which violates my consumer rights, their never was a proper validation sent to me, i requested the company to provide proof of owner ship which inludes my id, signature, full social and agreement which was never sent to me. i plan to sue the credit bureau for up to {$1000.00} per violation if this isnt corrected per my fcra right

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 2025-01-05 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: VA

Complaint narrative:
company as well as the credit bureaus were sent dispute letters showing the inaccurate errors on my report which violates my consumer rights, their never was a proper validation sent to me, i requested the company to provide proof of owner ship which inludes my id, signature, full social and agreement which was never sent to me. i plan to sue the credit bureau for up to {$1000.00} per violation if this isnt corrected per my fcra right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I kept calling the number that they told me to call for issues, and they didn't address my issues and didn't answer why my card kept declining on a XXXX-dollar purchase when I have XXXX bucks in my giftcard. Amex was being very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard and soft inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and it's negatively affecting my financial standing.

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 2025-01-05 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
lvnv funding is a third party company that i do not owe the account was sold to this company i have called an sent letters one man told me an was very nasty about it,, states that we are not going to remove it.i do not owe this third party company i never signed nothiing with them i need them to be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT AND THE FOLLOWING DATA MUST BE BLOCKED WITHIN 3 BUSINESS DAYS : This correspondence serves as a formal demand for the removal of inaccurate and unverifiable information from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Please consider this letter as a notification of violations and a request for immediate action. 1. XXXX XXXX XXXX XXXX Account Number : XXXX. Given the lack of proper debt validation, this account should be removed immediately. 2. Violations of Consumer Protection Laws The inclusion of the aforementioned accounts in my credit report constitutes a violation of : 15 U.S.C. 1681 ( FCRA ) which prohibits the inclusion of unverifiable or inaccurate information in consumer reports. 15 U.S.C. 1692k ( d ) ( FDCPA ) which mandates compliance with debt validation and verification requirements. Due to these violations, I am entitled to {$1000.00} in damages for each instance of willful non-compliance. Given the nature of these inaccuracies, I am seeking a total of {$1000.00} in damages. 3. Legal Consequences and Remedies Please be advised that your failure to address these disputes within the statutory time frame will compel me to pursue legal action. This may include initiating a civil suit for damages and seeking enforcement through legal channels. Your prompt attention to correcting and removing the disputed information is required to avoid further legal proceedings. Please confirm receipt of this letter and provide written confirmation of the actions taken to address these disputes. I expect a response in compliance with the FCRA requirements. Thank you for your immediate attention to this matter. I have never done business with these company and I don't have any knowledge of this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT AND THE FOLLOWING DATA MUST BE BLOCKED WITHIN 3 BUSINESS DAYS : This correspondence serves as a formal demand for the removal of inaccurate and unverifiable information from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Please consider this letter as a notification of violations and a request for immediate action. 1. XXXX XXXX XXXX XXXX Account Number : XXXX. Given the lack of proper debt validation, this account should be removed immediately. 2. Violations of Consumer Protection Laws The inclusion of the aforementioned accounts in my credit report constitutes a violation of : 15 U.S.C. 1681 ( FCRA ) which prohibits the inclusion of unverifiable or inaccurate information in consumer reports. 15 U.S.C. 1692k ( d ) ( FDCPA ) which mandates compliance with debt validation and verification requirements. Due to these violations, I am entitled to {$1000.00} in damages for each instance of willful non-compliance. Given the nature of these inaccuracies, I am seeking a total of {$1000.00} in damages. 3. Legal Consequences and Remedies Please be advised that your failure to address these disputes within the statutory time frame will compel me to pursue legal action. This may include initiating a civil suit for damages and seeking enforcement through legal channels. Your prompt attention to correcting and removing the disputed information is required to avoid further legal proceedings. Please confirm receipt of this letter and provide written confirmation of the actions taken to address these disputes. I expect a response in compliance with the FCRA requirements. Thank you for your immediate attention to this matter. I have never done business with these company and I don't have any knowledge of this debt

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for a XXXXXXXX XXXX credit card. I never received a credit card, a statement, an address for payment, information on interest rates or information on any interest imposed. 
The next thing I was informed about was by XXXX, reporting a delinquency. 
The lender is listed as COMENITYCAPITAL/XXXX. It provides no phone number or any further information about the account.

I

have no documents to provide because Comenity never provided me with any documents. This is an unfair business practice, a deceptive practice under New York General Obligations Law Section 349 and probably a violation of the Truth in Lending Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I got a loan from One Main Financial in XXXX New Jersey it was supposed to be for XXXX. I was talked into quickly signing to a loan that involved my car. It has affected me in a negative way. The car was never paid off and Im unable to afford car insurance because the title is still held by XXXX. I pay XXXX a month for insurance and modifications of XXXX for loan. But my credit has bee affected because the loan was never paid as stated. I told them that wasnt even the loan I wanted.

Company response to consumer: Closed with non-monetary relief