vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: SC

Complaint narrative:
According to the FCRA and Consumer Protection Act and Privacy act and also IRS publication 4681 IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$10000.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$750.00} } XXXX XXXX XXXX XXXXXXXX XXXX for the cancelled debt of { {$900.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$6500.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, EXPERIAN, and XXXX, etc. is not an affiliate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal Pursuant to 5 USC 552a, Pursuant to FCRA, pursuant to 15 USC 6802. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from making adverse reports on a consumer 's credit standing if the consumer disputes an amount or account. However, creditors can report that the account or amount is in dispute. It is illegal for a financial institution to report a consumer 's transaction history without their written consent. This is because Congress has mandated that financial institutions protect the privacy and confidentiality of their customers ' non-public information. For these accounts XXXXXXXX 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 2024-11-03 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: DISCOVER BANK
State: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Open Dealer Exchange, LLC
State: NJ

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you.

I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. The hard inquiries marks are found on my credit reports by your company or the company you represent, this is Violation of the Fair Debt Collection Practices Act and Defamation of Character.

If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.

During this validation period, if any action is not taken this is considered detrimental to any of my credit reports. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

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 2024-11-03 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: Global Credit & Collection Corporation
State: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

Company response to consumer: Untimely response
Consumer complaint received 2024-11-03 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: IL

Complaint narrative:
They pull my credit report without authorization. It was a hard pull on my credit and may affect my score and ability to acquire a mortal

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 2024-11-03 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: U.S. BANCORP
State: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 

During this validation period, the accounts on my credit report is considered detrimental to any of my credit reports and it affects it affects my credit report negativity. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Nordstrom has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( RSMo ) 570.223. Nordstrom is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have fully paid off the account, and I request that the interest charges of {$10.00} be removed and the account be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( RSMo ) 570.223. Experian is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without 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 2024-11-03 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX ACCOUNT : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 Records of convictions of 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX  XXXX XXXX - XXXX ACCOUNT : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  - XXXX ACCOUNT : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 Records of convictions of 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-03 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: MO

Complaint narrative:
Transunion has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( RSMo ) 570.223. Transunion is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without 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 non-monetary relief
Consumer complaint received 2024-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have spoke with XXXX XXXX XXXX  on several times they sent me letter for the credit bureau to update this information they still havent updated the information and is still reporting late payments on my account I ask that they either remove this from my credit report or fix the issue as attached is a letter from XXXX XXXX on this account with account number as by law it isnt correct and I know my rights. If you believe its fair and right to keep reimporting something that the company told you was closed years ago If you believe it's correct, I demand : The date whomever validated it was correct.The method used to validate this Billing error. The name of the person who received the permission to Validate this error.The documents used to determine this error.I would appreciate it if this matter were handled in a timely manner. Im giving 10 days for a response before I take action and matters into legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am filing a formal complaint against Transworld Systems Inc for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws.

Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Transworld Systems Inc continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, Transworld Systems Inc is not complying with these legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has been almost unusable to try and freeze or unfreeze credit. The logon process and verification processes have had bad problems for months now after researching the issues online. I attempted to resolve it several times, they keep telling me, " oh sorry it is a problem on our end ''. That is their excuse every time. I can't freeze one credit reporting bureau - TransUnion. XXXX and XXXX work perfect. I was able to freeze both within XXXX minutes each and that included creating the account. 

It the public can't use their services, their services are useless and leave me/us exposed XXXX well as others. They seem to not care about resolving the issue, rather just blaming it on a technical issue. I am a XXXX XXXX XXXX with 34 years in IT. It is not anything on our end. I have XXXX internet and very powerful computers. They probably don't want to spend the money upgrading or repairing their infrastructure and the volume of people using the service overwhelms it could be XXXX issue. Otherwise, they need the expertise to resolve it and don't have it. Either way, we need an authority to step in on this because for months this hasn't been resolved and I have read in tech forums that people are experienceing the same issue for months. Lots of people have errors with logins, verifications, attempting to freeze/unfreeze their credit, etc. Please let me know if you can assist, or if another agency can assist in putting pressure on transUnion to get their act and facilities together so we can use the protection features. 

Also, I wanted to mention XXXX thing. Not the issue I am reporting, but it needs to be said. I use a paid Aura Identity Protection service. Since our SS # ''s have been used everywhere ( medical, credit, employment, etc. ) we have no identity security any longer. Only Taxing Authorities were supposed to be allowed to have our SS #. Now it is all over. We need a new identity protection PIN that changes ( using an authenticator for example since SMS has been defeated by attackers ) and only the owner of the identity can accesss or give access to our credit for a transaction. Otherwise, the XXXX citizen has been stripped of any identity protection once afforded by SS # 's. They are no longer private and have been stolen in numerous data breaches along with all our other identity data. The XXXX XXXX XXXX XXXX XXXX XXXX breach lost any government employees background investigations, and identity information. If you got a check from the Treasury, like me in the XXXX, the XXXX have all of your information. Please if you can initiate a process/movement to provide identity verification to citizens to stop this rampant identity theft, please help us regain some protection. Thanks.

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