vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX loans was transferred from XXXX reporting inaccurate information on credit bureau reports with Transunion XXXX XXXX and XXXX. 
The credit report indicates the former servicer XXXX on all three credit bureau reports and does not indicate that the federal student loans are in forbearance by the 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX loans was transferred from XXXX reporting inaccurate information on credit bureau reports with XXXX XXXX Equifax and XXXX. 
The credit report indicates the former servicer XXXX on all three credit bureau reports and does not indicate that the federal student loans are in forbearance by the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX Department of Education loans was transferred from XXXX reporting inaccurate information on credit bureau reports with XXXX XXXX XXXX and Experian. 
The credit report indicates the former servicer XXXX on all three credit bureau reports and does not indicate that the federal student loans are in forbearance by the Department of Education.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
To Whom It May Concern : Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. I previously requested Midland Credit Management to validate the account in question. However, they have failed to provide sufficient documentation, such as proof of the original creditor, account details, or any agreement linking me to this debt.

According to the FDCPA, if a debt can not be validated, it must not be reported or pursued for collection. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies are legally required to delete unvalidated or inaccurate accounts from a consumers credit report. Reporting unvalidated information violates these federal laws and causes undue harm to my credit profile.

Since Midland Credit Management has not validated this account, I am requesting its immediate deletion from my credit report in compliance with these laws. Failure to remove this unvalidated account constitutes a violation of the FDCPA and FCRA, which protect consumers from inaccurate reporting and unlawful collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
I am writing to formally request the blocking and deletion of the accounts listed below as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for these accounts to be promptly removed from my credit report to protect my personal and financial information.

Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank offers a plan they call " Chase Pay Over Time ''. It prominently claims to offer deferred payments without any interest charges. The hidden small print is that instead of " interest '' there is a monthly " fee ''. However, the fee is calculated as a percentage of the balance owed/deferred. In essence the fee is identical to interest. In fact by any ordinary use of the English language, the fee simply IS interest. But they just don't admit or call it interest. Nothing could be more costly and deceptive to consumers. Especially given the disparity between how clear they are that there is " no interest '' yet how hidden the " fee '' terms are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing in response to your communication dated [ Insert date of the first letter or phone call ], regarding an alleged debt that you claim I owe. I am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), which requires you to provide the following information : 1. The amount of the debt : Please provide an itemized statement or documentation showing the amount you claim I owe, including interest, fees, and any other charges that have been added.

2. The name of the original creditor : Provide the name and address of the original creditor to whom this debt was owed.

3. Verification of the debt : Provide a copy of the original agreement or contract that I signed, or any other proof that I am legally obligated to repay the debt. This should include any documents showing that the debt was transferred to your agency.

4. A statement confirming that you have the authority to collect on this debt : Please provide documentation proving that your agency is authorized to collect on behalf of the original creditor.

Until I receive the requested validation, I ask that you cease all collection activities, including reporting this alleged debt to the credit bureaus, until the debt is verified. If you can not provide the necessary documentation, I request that you remove any negative information related to this debt from my credit report and cease any further collection attempts.

Please note that under the FDCPA, you are required to provide this validation within 30 days from the date of receipt of this letter. If you fail to provide the requested information, you must cease collection efforts and consider this matter resolved.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am an identity theft victim. Unfortunately, following the theft of my wallet and several identity documents from my home I became a victim of identity theft. Several accounts were opened in my name without my knowledge or approval. I received notice from my credit monitoring service that a credit card account that was fraudulently opened at XXXX XXXX Bank had been sold to LVNV Funding / Care of RESURGENT CAPITAL SERVICES. This original account has already been found to be fraudulent and has been removed from my credit file, however it appears that a debt buying company purchased this fraudulent account and is now attempting to collect this debt that has already been proven to not be mine. I have filed both a police report and an FTC affidavit of identity theft which has been provided to the original creditor already. I am attaching both reports to this complaint as well for the records of the debt buyer so they may return this debt to the original creditor, receive back whatever funds they bought the debt for and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
There are hard inquiries reporting on my credit file that I did not initiate or authorize. I believe there have been fraudulent attempts to open credit accounts in my name. As of XX/XX/XXXX, XXXX  XXXX XXXX is reporting to TransUnion that there were two hard inquiries made on XX/XX/XXXX and XX/XX/XXXX, and TransUnion is reporting this inaccurate information even after I have informed them that this information is fraud. The hard inquiries from " XXXX  XXXX XXXX '' on XX/XX/XXXX and XX/XX/XXXX were never authorized by me and are a result of identity theft. They are causing me severe harm and distress and they need to be removed 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 explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-11-18 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: GA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$87000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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.

ACCOUNTS : Bankruptcy REMOVAL : XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged Court : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance - {$540.00} Account number - XXXX XXXX XXXX XXXX - Balance - {$560.00} Account number - XXXXXXXX XXXX XXXX - Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXX XXXX XXXX XXXX - Credit limit - {$500.00} Account number - XXXX XXXX XXXX XXXX - Balance - {$560.00} Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX - Paid off - Original balance - {$720.00} Account number - XXXX XXXX XXXX XXXXDEPT OF ED - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX = Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX DEPT OF EDUCATIONXXXX - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened - XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX INQUIRIES XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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
_____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
I

n Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. ACCOUNTS : Bankruptcy REMOVAL : XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged Court : - XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX - Balance - {$540.00} Account number - XXXX XXXX XXXX XXXX - Balance - {$560.00} Account number - XXXX XXXX XXXX - Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXX XXXX XXXX XXXX  - Credit limit - {$500.00} Account number - XXXX XXXX XXXX XXXX  - Balance - {$560.00} Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX - Paid off - Original balance - {$720.00} Account number - XXXX XXXX XXXX XXXX/DEPT OF ED - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  = Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened - XX/XX/XXXX DEPT OF EDUCATIONXXXX - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened - XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 _____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
I saw an update on my XXXX about a debt collector today ( XXXX ) Jefferson capital systems. I had no idea about this debt and never got any notice I called them on XXXX. They could not give me any explanation on to how the debt was acquired and they collected all my information and put me on hold for several minutes and finally said that I will receive a letter in my mail.

I dont understand this and I do not own them any money. They did mention XXXX XXXX  which I do have but I am actively paying my credit card and I have been doing that for the 2 years this account has been opened. I believe this is a fraudulent transaction.

Company response to consumer: Closed with explanation