vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX VA XXXX **Subject : ** Formal Request for Debt Validation Pursuant to XXXX XXXX Code XXXX, XXXX, XXXX ( b ), and XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt you claim I owe and requesting verification under my rights provided by federal law. 

# # # **Debt Validation Request XXXX XXXX Code XXXX Pursuant to XXXX XXXX Code XXXX, I request the following information to validate this alleged debt : - The name and address of the original creditor. 
- The full account number associated with this alleged debt. 
- A complete payment history, including the date the debt was incurred and any additional fees or interest applied. 
- A copy of the original contract or agreement, signed by me, proving I am legally obligated to pay. 
- The Chain of Assignment and Forward Flow Agreement for this account, including all transfers, amount of purchase from original creditor. 
- Proof that you are authorized to collect this debt on behalf of the original creditor.

- Verification that this debt has not been transferred, settled, or otherwise discharged. 

Until you provide this documentation, I **demand that you cease all collection activities**, including credit reporting, as required by law. 

# # # **Restriction on Communication XXXX XXXX XXXX XXXX Additionally, under XXXX XXXX Code XXXX, I request that you cease all communication regarding this alleged debt except to provide the legally required validation. Any further contact outside of this request will be considered harassment and reported to the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **. 

# # # **Accuracy in Credit Reporting 1XXXX XXXX XXXX XXXX ( b ) ** If you have reported this alleged debt to any credit reporting agency, be advised that under XXXX XXXX XXXX XXXX ( b ) **, information furnished to credit bureaus must be accurate and verifiable. If you can not validate this debt, you must immediately remove any negative reports associated with it. 

# # # **Permissible Purpose for Credit Reporting XXXX XXXX XXXX XXXX Furthermore, under XXXX XXXX Code XXXX, you must have a permissible purpose to access or report my credit information. If this debt is invalid, you have no legal right to place it on my credit report, and any unauthorized reporting may result in legal action. 

Failure to comply with these legal requirements will leave me no choice but to file complaints with the **CFPB, FTC , and my State Attorney General 's office**, and pursue legal action if necessary. 

Please respond to this request in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX, Nevada XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX, XXXX XXXX, NV, 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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a debt validation letter to LVNV Funding LLC regarding a collection account they are reporting on my credit report for {$1400.00}, originally from XXXX XXXXXXXX XXXX 

As of today, more than 30 days have passed and I have not received any documentation or proof of the debt. Despite this, the account continues to be reported on my credit file, negatively impacting my credit score.

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), as the company failed to validate the debt and still reports it as if it were verified.

I am requesting that this account be removed from all credit bureaus due to lack of proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, TransUnion, and Equifax for reporting inaccurate, inconsistent, and misleading information on my credit report regarding an account associated with XXXX XXXX  Account # XXXX. These inaccuracies are negatively impacting my credit standing, and despite previous attempts to dispute the errors directly with the credit bureaus, the information remains incorrect. 
Inconsistent Two-Year Payment History : XX/XX/XXXX : Experian reports 150 days -Trans Union reports nothing and Equifax XXXX XX/XX/XXXX : Experian/Equifax Reports 120 days and Trans Union reports nothing XXXX  XXXX : Experian /Equifax show XXXX XXXX and Trans Union reports nothing XXXX  XXXX : Experian reports CO- Trans Union reports nothing and Equifax reports OK XXXX XXXX : Experian reports CO-Trans Union reports nothing and Equifax reports ok High Credit Amount : Trans Union reports $ XXXXExperian reports {$0.00} and Equifax reports {$6500.00} Credit Limit : Trans Union/Experian reports {$23000.00} and Equifax reports {$0.00} Date Last Active : Trans Union reports XXXX-Experian reports XX/XX/XXXX and Equifax reports XX/XX/XXXX In compliance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I request that Experian, Trans Union and Equifax conduct a full investigation and correct these errors promptly. If the information can not be verified, it must be removed from my credit report.

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 2025-03-24 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-03-24 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account number XXXX in the amount of {$8900.00} XXXX Account number XXXX in the amount of {$1200.00}. 
XXXX Account number XXXX in the amount of {$470.00}. 
XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX in the amount of {$7200.00}. 
XXXX XXXX XXXXXXXX XXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX amount of {$4200.00}. 
XXXX XXXX XXXX Account number XXXX amount of {$20000.00}. 
XXXX XXXX Account number XXXX amount of {$11000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount of {$1000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount {$5500.00}. 
XXXXXXXX XXXX XXXXXXXX account number XXXX amount {$8500.00}. 
XXXX XXXX XXXX account number XXXX amount of {$9000.00}. 

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 : Also states a consumer reporting agency can not furnish an account without my written permission.

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 2025-03-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Debt Validation Request Regarding Midland Credit Management Violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau, I am writing to formally dispute the debt that Midland Credit Management is attempting to collect from me. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e and 15 U.S. Code 1681i, I am requesting full validation of this debt and immediate correction of any inaccurate information they have reported. 

Debt Details : Creditor : Midland Credit Management Account Number : XXXX Balance Reported : $ [ Reported Balance ] Date of Last Activity : [ Date ] Legal Basis for My Dispute 1.

Violation of 15 U.S. Code 1681e Compliance Procedures : The credit reporting agency and Midland Credit Management must ensure the maximum possible accuracy of information being reported. If they fail to verify the legitimacy of this debt and its details, they are in violation of federal law. 2. Violation of 15 U.S. Code 1681i Reinvestigation of Disputed
Information : I am formally disputing the accuracy of this debt. Midland Credit Management must provide verifiable proof, including a signed contract, statements showing I owe this debt, and proof of their legal right to collect it.

Requested Actions Immediate cessation of reporting this debt if they can not validate it with documented proof. 
Removal of any inaccurate or unverifiable information from my credit report. 
Written confirmation from Midland Credit Management and the credit bureaus regarding any updates, corrections, or deletions made to my report. 

If this debt can not be validated in full compliance with the law, I demand its immediate removal from my credit reports, along with a written statement confirming the deletion. 
Failure to comply with this request may result in legal action against Midland Credit Management and any credit reporting agency that continues to report unverifiable information. I expect a response within 30 days as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a repossession for {$29000.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally notify you of the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), in relation to the reinvestigation of my credit report. 

The violation happened on the following accounts : XXXX XXXX | Acct # XXXX XXXX. Violation of 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting As per 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy and integrity of the information you report in my credit file. I have identified significant inaccuracies on my credit report, and upon disputing the errors, I found that you did not take sufficient or reasonable steps to ensure the information was properly investigated, verified, or corrected. This failure to ensure accurate reporting constitutes a violation of my rights under this section of the FCRA. 

2. Violation of 15 U.S.C. 1681i ( a ) Inadequate Reinvestigation Under 15 U.S.C. 1681i ( a ), when a consumer disputes any information on their credit report, the credit bureau is required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving the dispute. However, I have submitted disputes regarding inaccuracies in my credit report, and after reviewing the results of your investigation, it is clear that you failed to conduct a proper and thorough reinvestigation of the disputed information. You did not verify the accuracy of the items in question, and as a result, the errors on my credit report were not corrected. 

This failure to conduct a reasonable investigation, as well as your failure to properly verify the disputed information, is a violation of my rights under the FCRA. Additionally, you have not provided me with the necessary documentation or evidence that supports the information currently being reported.

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 2025-03-24 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: MI

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnesXXXX

XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-24 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain 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 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BTH Management
State: GA

Complaint narrative:
Repeating phone calls I asked for the letter from the original creditor I never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the accuracy of several Items on my consumer report, and as always it came back as verified as accurate. XXXX is being sued for Sham investigation and Transunion is doing the same thing, conducting sham investigations. 1681i ( a ) ( 5 ) ( a ) failure to delete inaccurate information, 1681i ( a ) ( 1 ) ( a ), ( a ) failure to investigate disputes about inquires. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy. Unreasonable overreliance on data furnishers XXXX response.

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