vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: FL

Complaint narrative:
XXXX XXXX contacted me via a phone call on XX/XX/year>. He is a representative of Stuart Lipman Allen and Associates , Inc. He stated that a debt was owed to XXXX XXXX XXXX. He could not provide me with any details about this claimed debt owed. I asked in that conversation, verbally to have his company send me proof that they have a right to collect on that debt, and also to provide me validation of what the debt was. I stated that I had asked XXXX for the same information and they had not complied, and now this debt was passed on to a debt collector. I signed no documentation for any debt with XXXX, nor took any loans. I then mailed this same request to Stuart Lipman Allen and Associates , Inc. on XX/XX/year>. They again, did not comply with my request for validation, providing no documentation. The company then did place a credit report collection on my credit. I then again called this XXXX XXXX individual and requested they remove this collection reporting because they had not provided me with any proof or validation per my request and I am protected by law. They did not comply, and have since continued to report this collection debt on my credit. I need help to stop them from this illegal and false activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 2025-01-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute for Removal of Unauthorized and Inaccurate Inquiries Under FCRA Dear TransUnion XXXX This letter serves as a formal dispute regarding unauthorized and inaccurate inquiries listed on my credit report. These inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which states that a credit reporting agency may only furnish a consumer report if there is a permissible purpose. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. These inquiries fail to meet this standard. 
Disputed Inquiries : 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 XXXXXX/XX/XXXX Violations of FCRA : 1. 15 U.S.C. 1681b : Unauthorized inquiries lack permissible purpose. These inquiries were not authorized by me, nor were they related to any legitimate credit transactions initiated by me.

2. 15 U.S.C. 1681e ( b ) : Failure to ensure reasonable procedures for accuracy.

Action Requested : 1. Immediate Removal : Delete all unauthorized and inaccurate inquiries from my credit report.

2. Notification of Changes : Provide written confirmation of the removal of these inquiries.

Failure to address this matter promptly will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA.

Thank you for your prompt attention to this matter. I expect resolution within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB )

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 2025-01-09 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I was excited to purchase a brand-new XXXX XXXX XXXX XXXX , and I made every effort to keep up with my payments, even going the extra mile by making multiple payments in some months. Unfortunately, life took an unexpected turn when I became XXXX, affecting my ability to work as I had before. To make matters worse, my insurance company stopped covering my XXXXXXXX XXXX, which amounted to nearly {$600.00} a monthalmost identical to my car payment of {$590.00}. 

Despite my best efforts to make partial payments during this challenging time, SANTANDER, the lender, decided to repossess my vehicle in XX/XX/XXXX after I fell behind by just a couple of months. The shock was overwhelming, as I only discovered the repossession a few days later when I stepped outside and found my vehicle was no longer there. Its been a difficult journey, and I wish the circumstances had been different. 

They did a UNLAWFUL REPOSSESSION : 1. BREACH OF PEACE : The repossession process trespass. the repo agent entered a restricted area, I lived in a gated community only opened by residents with their IDENTIFICATION ( Guards ) gate, and towed an occupied vehicle without consent. 
Deceptive practices : The lender made representations to the consumer about how payments would be applied, but then applied them differently. 

UNREASONABLE SOLD AMOUNT - ( DEFICIENCY BALANCE : ) THE CREDITOR WHO REPOSSESSED MY CAR SOLD IT FOR LESS THAN IT IS WORTH. After years of harassment that I obtained a debt consilidation, they agreed that if I pay {$2000.00} the loan is paid off. 
STATUS OF LIMITATION AFTER LOAN HAS EXPIRED : The statute of limitations for car repossessions in Florida is five years. This means that the car lender may not attempt to collect from you or file a suit against you after five years per the last date of activity on the car loan. The statute of limitations applies to all consumer debts with written agreements. 

Unfortunately, the dealership sold my vehicle without allowing me to retrieve an expensive nano camera that was installed in the car, which recorded footage both inside and outside. After the sale, thelnder SANTANDER CONSUMER USA repeatedly contacted me for payment, despite my explanations about my XXXX and financial struggles. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This situation has left me unable to obtain even a used vehicle with high mileage. The fact that my nearly new car was sold after just five months of use, and the Lender Santander is now demanding a significant payment, feels unjust. I believe that the amount they claim to have sold it for, {$15000.00}, does not reflect the vehicle 's true value, which I know would have been close to the amount owed according to the XXXX XXXX value. Additionally, I still owe {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: DE

Complaint narrative:
When handling disputes TransUnion uses faulty intake procedures, and does not accurately convey all relevant information about disputes to the original furnisher. TransUnion routinely and uncritically accepts the original furnishers response to the disputed information, even when the response was improbable or illogical on its face, or where is TransUnion has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, TransUnion sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing ambiguous, incorrect, or internally inconsistent. TransUnion has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, TransUnion improperly reinsert inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report has been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a few furnisher.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC
State: MI

Complaint narrative:
Complaint XXXX XXXX. Misleading Debt Validation Notice : On XX/XX/XXXX, I received a debt validation notice from National Recovery Agency regarding an alleged debt from XXXX XXXX XXXX XXXX  with account number XXXX. 
The notice contained inaccurate and misleading information, including : Inconsistent Dates : The notice states the account was purchased by XXXX XXXX XXXX but provides a date of first delinquency of XX/XX/XXXX. This timeline is confusing and suggests the debt may be invalid or beyond the statute of limitations. 
Lack of Clarity : The notice does not clearly explain the relationship between National Recovery Agency and XXXX XXXX XXXX, creating confusion about who owns the debt and who I should contact. 
XXXX. Refusal to Communicate and Unreasonable Demands : I contacted National Recovery Agency by phone to inquire about the debt and the discrepancies in the notice. 
The representative refused to discuss the debt with me unless I provided my full address, date of birth, and full name, even though I was willing to confirm basic identifying information. 
When I refused to provide this excessive personal information, the representative abruptly terminated the call. 
XXXX. Potential FDCPA Violations : I believe National Recovery Agency 's actions violate the Fair Debt Collection Practices Act ( FDCPA ) by : Misrepresenting information : They may have misrepresented the requirements for debt validation by insisting on excessive personal information before discussing the debt. 
Refusing to communicate : They refused to communicate with me about the debt simply because I wouldn't provide unnecessary personal details. 
Using deceptive and unfair practices : Their actions appear designed to intimidate and pressure me into providing information I am not obligated to share. 
Desired Resolution I request that the CFPB investigate National Recovery Agency 's practices and take appropriate action to ensure they comply with the FDCPA. 
I also request that National Recovery Agency provide me with clear and accurate information about the alleged debt, including validation of the debt as required by law. 
Supporting Documentation I have attached a copy of the debt validation notice and my notes from the phone call with National Recovery Agency. 
Additional Information I have an active complaint with the CFPB against XXXX XXXX XXXX related to this debt.

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 2025-01-09 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: OH

Complaint narrative:
I've filed multiple complaints attached are the documents and identification

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 2025-01-09 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: CT

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I attached identity theft documents. These are unauthorized inquiries that needs to be removed completely off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I received an email that I thought was Mr Cooper XXXX XXXX was the contact ( see attachments ) only to find that I have scammed out of my mortgage payment. As Mr Cooper has notified XXXX made XXXX payments at XXXX with XXXX XXXX for what was advertised as a hardship program. 
In the meantime my bank has closed my account and I am in dire need of my money through XXXX XXXX ( see attached ). 
Please contact me with any questions that may help move this forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 recently pulled another copy of my credit report and I still see accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My wallet was stolen with five secured credit cards in it and unauthorized purchases were made on my cards totaling around {$650.00}. And a collection company that I didn't sign a contract with LVN has no legal authority to collect any debt from me and I am requesting for the false charges be removed from off of my credit report on all three bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: OH

Complaint narrative:
XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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