vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXubject : Request for Debt Validation Dear [ Debt Collector 's Name or " To Whom It May Concern '' ], I am writing regarding a debt you have contacted me about. Please note that this letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I do not acknowledge or accept any responsibility for this debt and request that you provide proper validation before I consider taking any further steps.

To validate this debt, please provide the following information : 1. Proof of the Original Debt : - The name and address of the original creditor.

- The date the debt was incurred.

- A copy of the original agreement or contract.

2. Debt Details : - The total amount of the debt, including a breakdown of fees and interest.

- Documentation showing that the debt collector is legally entitled to collect this debt.

3. Account Verification : - Proof that this debt is tied to my identity.

- Evidence of the chain of ownership if the debt was sold or transferred.

4. Proof of Licensing : - Verification of your agency 's license to collect debts in my state ( include state name ).

Please note that, under the FDCPA, you must cease all collection activities, including calls and letters, until you have provided sufficient validation of the debt. If you fail to comply, I will have no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Finally, this letter should not be interpreted as an acknowledgment or confirmation of any debt obligation. I look forward to receiving the requested information within 30 days of receipt of this letter. 

Thank you for your attention to this matter. I expect your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: IL

Complaint narrative:
I have not supplied XXXX under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$86.00}, XXXX  XXXX balance {$2100.00}, XXXX XXXX XXXX balance {$0.00},

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 non-monetary relief
Consumer complaint received 2024-12-07 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: IL

Complaint narrative:
I have not supplied XXXX under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$86.00}, XXXX  XXXX balance {$2100.00}, XXXX XXXX XXXX  balance {$0.00},

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 2024-12-08 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: CA

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX  Account Number : XXXX ( XXXX, XXXX, Equifax XXXX XXXX  XXXX XXXX Account Numbers XXXX XXXX ( XXXX, XXXX, Equifax ) XXXX ( XXXX, XXXX, Equifax ) XXXX  XXXX XXXX  Account Number : XXXX ( XXXX, XXXX ) XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. 

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX  Account Number : XXXX ( XXXX, Experian, XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX ( XXXX, Experian, XXXX ) XXXX ( XXXX, Experian, XXXX ) XXXX  XXXX XXXX  Account Number : XXXX ( XXXX, Experian ) XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to this matter.

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted Verifcation of Debt letter, sent by certified mail. In my request I did not receive any debt information at all on the debt, therefore I am resubmitting another CFPB complaint.

In this complaint I am asking for a copy of the Original Signed Contract of the alledged debt. I do want any billing statement, interest statements, or letters with company letter heads, etc. Only, the copy of the Original Signed Contract The debt was sold by the Original Creditor, thus selling the alledged debt. The debt was eridicated once sold to the collection agency. Thus violating the original contract agreement with the original creditor.

PLEASE, PROVIDE ME A COPY OF THE ORIGINAL SIGNED CONTRACT. aND NOTHING ELSE, NO BILLING STATEMENTS, NO INTEREST RATE INFORMATION AT ALL, NO COMPANY LETTER HEADS WITH 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX a fraudulent credit report was on my credit. I did not authorized them to have my social security number date of birth or any of that I have a fraud alert on my profile due to these companies that are doing identity theft On XX/XX/2024 they fraudulent report on my credit report the companies name is Credence Resource management for XXXX I did not creat this account and have no knowledge of this account. Under the fair credit report act is is illegal for them to do this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2024-12-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all of the items from my credit report 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all of the items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Number : 1. XXXX - NAVY FEDERAL CR UNION - DATE OPENED XXXX XXXX. XXXX - NAVY FEDERAL CR UNION - DATE OPENED XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced account and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to 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. 

1. Dispute of Account Reporting This account has been reported as written off as a profit/loss ( charge-off ). However, I have identified that the account is being repeatedly reported as a new charge-off account with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information. 
15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information.

By continuing to report this account inaccurately, Navy Federal Credit Union is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation.

2. Request for 1099-C Issuance As the account has been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ). The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide the required documentation further demonstrates non-compliance with applicable consumer protection laws.

3. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to this account. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding this account.

4. Demand for Resolution To resolve this matter, I demand the following actions be taken within 30 days : Immediately correct and remove the inaccurate information from all credit reporting agencies.

Provide a copy of the IRS Form 1099-C for the cancellation of this account, if applicable. 
Confirm in writing that you have ceased all collection activities and communications related to this account. 

Sincerly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: MS

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX XXXX  account number XXXX to your agency. 
( Experian, XXXX, XXXX ) and I believe that the entry is inaccurate, The payment in question is identified as } late but I do not believe that the creditor has followed the legal requirements to report it as such under the fair Credit reporting Act ( FCRA ) and related laws Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report " does not include reports that solely contain information regarding transactions or experience between a consumer and the person making the report. As such, any transaction or experience between myself and the company regarding this account should not be included in my consumer credit report.

U.S Code 1681 a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for action If XXXX can not provide the necessary proof of mailing or delivery of the required information, i request that the late payments and charge offs be deleted from my credit report. Failure to do so will be considered a violation of US code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove the inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payments in Question : XXXX XXXX current. 
Thank you for your prompt attention to this matter. i look forward to your response and consideration that the disputed late payment entry has been removed.

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 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  ACCT NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT

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 2024-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX ACCT NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX ACCT. NUMBERS XXXX & XXXX DATA BREACH OCCURRED

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 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/2024 Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : Premier Bkcrd/First Premier Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX 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 explanation