vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc.
State: IL

Complaint narrative:
Title : Failure to Validate Debt and Address Identity Theft Aspen Collection and Villas at Fortune Place Description of the Complaint : I am filing this complaint due to Aspen Collection and XXXX XXXX XXXX XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite submitting multiple debt validation requests and providing evidence of identity theft, these entities have failed to respond or validate the alleged debt. 

Key Issues : 1. Failure to Validate Debt : I sent debt validation requests to Aspen Collection and XXXX XXXX XXXX  XXXX. Despite their obligations under the FDCPA, they have not provided any validation or response to confirm the accuracy of the alleged debt.

2. Failure to Address Identity Theft Evidence : Both entities were provided with my FTC Identity Theft Report, Fraud Affidavit, and police report from XX/XX/XXXX. Despite this, they continue to report or pursue the debt without verifying its validity or correcting inaccuracies.

3. Non-Compliance with FCRA and FDCPA : These entities have failed to adhere to their obligations under the FCRA ( Sections 605B and 623 ) and FDCPA, which require thorough investigation and validation of disputed debts and removal of fraudulent accounts. 

Timeline of Events : XX/XX/XXXX : Filed a police report regarding identity theft in XXXX XXXX, XXXX. 
XX/XX/XXXX : Sent debt validation letters to XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, including supporting documentation ( FTC Identity Theft Report, Fraud Affidavit, and police report ). 
XX/XX/XXXX : Both entities failed to respond to my validation requests and continue to report the debt inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: LA

Complaint narrative:
RE : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX 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 Louisiana 5. Please evidence proof of the alleged debt, including specifically the alleg
ed 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owned the debt. 
This letter is to inform you that I have rights to request a validation of this debt and your ability to this money from me. I asked that prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with the promise to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-20 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: SC

Complaint narrative:
Credit card was open on XX/XX/XXXX with XXXX XXXX XXXX of a credit limit of {$1000.00}. A purchase was made for {$980.00}. I would like to report fraud. I did not open this card or make a purchase. On XX/XX/XXXX I got bank statement I contacted the credit card company to let them know that I didnt not open this account or made any purchases. I also contacted Trans Union to dispute this action

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
On my monthly mortgage statement dated XX/XX/year>2024, I observed a notation labeled " Escrow to Mortgagor Disbursement '' in the amount of - {$3900.00}. No accompanying explanation or documentation was provided to clarify this entry. 

After reviewing the statement, I contacted RI Housing and was informed that there were excess funds in my escrow account, and I might receive a check for the amount in question. Per legal requirements, I waited 30 days for the disbursement to occur. However, on my next mortgage statement dated XX/XX/year>2024, I noticed the exact amount of {$3900.00} recorded as a " payment '' back into my escrow account. 

I immediately contacted XXXX XXXXXXXX for clarification and asked the following questions : - Where was the money held for the 29 days between the noted disbursement and its return to my escrow account? 
- Why didnt I receive written documentation regarding the handling of these funds? 
- Why was the disbursement not sent to me as initially suggested, and instead, seemingly disappeared for 29 days before being returned to the escrow account? 

The XXXX XXXXXXXX representative explained that the funds were returned to the escrow account because the amount was substantial, and they needed to investigate its origin. I was informed that a supervisor had to conduct an analysis or investigation before the funds could be released, as it was unclear whether the money rightfully belonged to me. Additionally, I was told the excess amount might be attributable to an error on my part. 

When I followed up with XXXX XXXX on XXXX XXXX, 2024, I was informed that the supervisor responsible for the analysis had been out sick for the past month and had been unable to conduct the necessary investigation. I was assured that the supervisor would return to work on XX/XX/year>2024, to address the issue. I was also told that no laws or policies had been violated during this process and was again reminded that the funds might not belong to me and could potentially result from my own actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-20 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
The following credit inquiries were made without my knowledge or authorization, I will also list the dates which they were made : XXXX XXXX XX/XX/year>2024, XXXX XXXX/XXXX/2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX Credit Bureau XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024 Who are these companies? I have no idea, I never consented or authorized them to pull my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
The following credit inquiries were made without my knowledge or authorization, I will also list the dates which they were made : XXXX XXXX XX/XX/year>2024, XXXX XXXX/XXXX/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>2024 Who are these companies? I have no idea, I never consented or authorized them to pull my credit!

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 2024-11-19 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: CA

Complaint narrative:
I was alerted by XXXX XXXX of XXXX separate credit inquiries. One involving XXXX XXXX XXXX on XX/XX/2024. The other involving XXXX Bank on XX/XX/ 2024. I did not make either inquiry and am the victim of identity theft. 

The inquires damaged my credit score.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alerted by XXXX XXXX of XXXX separate credit inquiries. XXXX  involving XXXX XXXX XXXX on XX/XX/scrub> 2024. The other involving XXXX Bank on XX/XX/year>2024. I did not make either inquiry and am the victim of identity theft. 

The inquires damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
I would like this to be remove from my credit report immediately this has ruined my credit please remove these items immediately XXXX XXXX # XXXX amout of {$270.00}. XXXX XXXX .acc # XXXX .amount of {$430.00}. XXXX. XXXX XXXX. XXXX # XXXX .amount of. {$3900.00}. XXXX XXXX/ XXXX, XXXX # XXXX .amount of {$340.00}. XXXX. XXXX XXXX, XXXX XXXX .acc # 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I would like this to be remove from my credit report immediately this has ruined my credit please remove these items immediately XXXX XXXX # XXXX amout of {$270.00}. XXXX XXXX .acc # XXXX .amount of {$430.00}. XXXX. XXXX XXXX. XXXX # XXXX .amount of. {$3900.00}. XXXX XXXX/ XXXX, XXXX # XXXX .amount of {$340.00}. XXXX. XXXX XXXX XXXX XXXX .acc # 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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have multiple Hard Inquiries on my credit I did not do nor have any knowledge about. They on on both Equifax and XXXX. Some just say factual data and others are doubled. 14 in total that was not me nor do I have any recall on doing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and that the following accounts on my credit report are fraudulent. As per the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit file.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX & XXXX XXXX XXXX XXXX - XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$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 2024-11-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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 2024-11-20 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: NY

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-11-20 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:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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