vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 2024-12-18 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: EQUIFAX, INC.
State: NV

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, the company opened a collection XXXX XXXX XXXX. I have never signed a written document saying I owe the collector this debt. They are violating my rights of the FCRA as a consumer. I do not know who they are and have no written consent. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from the 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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. 

The item I am disputing is LVNV FUNDING LLC XXXX. This item is inaccurate because I never signed a contract with them so I am not entitled to pay anything. They also have failed to send me any contract agreement so its fraud for them to be reporting to my credit especially without my permission. 

I am requesting that the item be investigated and corrected or removed from my credit report. 
Please conduct an investigation of this matter and correct the disputed item as soon as possible. According to the FCRA, you are required to complete your investigation within XXXX  days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX ( XXXX ) and American Express ( Amex ) regarding a failure to honor a lifetime guarantee and an unsatisfactory resolution of my payment dispute. 

I enrolled in XXXX treatment plan for teeth alignment, which included a lifetime guarantee. As part of the agreement, XXXX promised to provide services as needed to ensure my satisfaction. Unfortunately, after XXXX filed for bankruptcy, they are no longer able to fulfill their contractual obligations, leaving me with a service that can not be rendered. 

I paid for the treatment using my American Express card, assuming the charges would be protected under their consumer protection policies. However, on XX/XX/year>, when I contacted Amex to dispute the charges due to XXXX inability to provide the promised services, Amex informed me that they could only dispute the XX/XX/year> charge of {$89.00} and are unwilling to refund the total amount that XXXX charged me. They suggested that I file a complaint with XXXX in attempts to receive my refund. 

This situation has left me in a position where I am paying for a service that is impossible to receive, and I am deeply dissatisfied with the lack of resolution from both parties. 

I am requesting that : XXXX fully refunds the payments I made under their now-untenable contract. 
American Express honors its consumer protection policy and issues a full refund for the total amount charged by XXXX. 

I trusted both companies to uphold their promises and ensure I would not be financially penalized for circumstances beyond my control. I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter fairly and promptly. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX ( FTC ) I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
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 XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to formally request validation of the debt you claim I owe under the account referenced above which is currently being reported to my credit profile. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). Please provide the following information : 1. Purchase Agreement : A copy of the original purchase agreement or contract that I allegedly signed, establishing my legal obligation to this debt.

2. Cancellation of Debt : Documentation showing whether this debt has been canceled, settled, discharged, or otherwise resolved, and the date this occurred. 
3. Chain of Title : Documentation showing the chain of title of the debt, including all parties that have owned the debt, from the original creditor to your company, and proof that you have the legal right to collect on it.

4. Last Payment Made : The date of the last payment made on this account and an itemized statement showing the payments made and the balance at that time.

5. Judgments : Please confirm whether there are any judgments associated with this debt, and if so, provide the details of the judgment, including the date of the judgment and the court where it was issued.

Statute of Limitations : Confirm whether the statute of limitations has expired for this debt. If the statute of limitations has expired, I request that you cease any further collection efforts, including reporting this debt to the credit bureaus.

Under the FDCPA, you are required to provide this requested information within 30 days of receiving this letter. Until you provide validation of this debt, you must cease all collection efforts, including reporting this debt to the credit bureaus.

If you fail to provide the requested documentation or can not substantiate this debt, I request that you remove this debt from my credit report immediately, in accordance with the FCRA ( 15 U.S.C. 1681s-2 ( b ) ).

Failure to provide this validation and/or continued reporting of an inaccurate or unverified debt may constitute a violation of the FDCPA and the FCRA. I will pursue appropriate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( XXXX, Experian, and XXXX ). The accounts in question are : XXXX XXXX XXXX XXXXXXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXX XXXX XXXX XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 
Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Recovery Service Incorporated
State: NY

Complaint narrative:
American Recovery Service Incorporated purchased the debt from the original creditor. So now I am requesting for the purchase agreement. Under the law I am entitled to received such information, I can't pay for a debt I no longer own and I never enter into agreement with American Recovery Service Incorporated. And also the amount reported on my credit report is inaccurate I do not owe said amount. I am asking again for the negative reporting to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accounts I asked to be verified, the age of my credit history, and payment history

Company response to consumer: Closed with explanation