vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company XXXX XXXX, whom I had an account with in XXXX, made a charge-off/ write-off on my credit report. I spoke with the company and requested a 1099C form, which they agreed to but I had never received. The company continues to harass me via phone calls and emails. In XXXX, I had the same issue with XXXX XXXX, who had placed a write-off/ charge-off on my account. Once again, the company failed to send me the form necessary to credit the charge, which is also the 1099C form. I would like to request to remove the charges from my credit reporting agencies. Any assistance in the matter would be greatly appreciated, and Id be happy to offer any extra information as needed to further the case forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company XXXX XXXX, whom I had an account with in XXXX, made a charge-off/ write-off on my credit report. I spoke with the company and requested a 1099C form, which they agreed to but I had never received. The company continues to harass me via phone calls and emails. In XXXX, I had the same issue with XXXX XXXX, who had placed a write-off/ charge-off on my account. Once again, the company failed to send me the form necessary to credit the charge, which is also the 1099C form. I would like to request to remove the charges from my credit reporting agencies. Any assistance in the matter would be greatly appreciated, and Id be happy to offer any extra information as needed to further the case forward.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have already contacted the major credit bureaus to report these fraudulent inquiries and have provided supporting documentation, including pay work statements and information from the data breach settlement indicating that my information was compromised.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have already contacted the major credit bureaus to report these fraudulent inquiries and have provided supporting documentation, including pay work statements and information from the data breach settlement indicating that my information was compromised.

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 2025-01-02 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: NV

Complaint narrative:
I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can properly assess the validity of this debt : 1. The name and address of the original creditor.

2. A copy of the written agreement, contract, or other documentation that establishes this debt.

3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated.

4. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor.

5. A complete record of all payments made and their application to the balance. 



Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. 



Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this is for the account listed on the transunion credit file " XXXXXXXX XXXX XXXXXXXX '' with the balance being reported as " {$2300.00} '' this account is firstly being misrepresented, secondly is being inaccurately reported, and lastly the missed payments alone have amass close to {$59000.00} in violations. the fourth issue with this account is the fact that it has been changed off for a few years now meaning the have gotten paid by the Internal revenue service and are still attempting to double dip. pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each carrying a violation of XXXX just for the misrepresentation of the debt and the missed payments that are still being reported on this credit file. amount to about {$60000.00} in violation which any district court would open and closed the case without thinking twice on the matter. When speaking not the matter of inaccurate credit history, this account no longer reports to XXXX, because it was deemed inaccurate due to a date breach, and just plain out fraud. Now due to defamation and willful injury, this case law further supports the allegation that I am making in this complaint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the damages are said to be to the extent of the damages incurred by the wronged party as deemed by the courts, which can and will add up to be similar to the first charges close to the tune of {$60000.00}. without continue to provide the case law for the other allegations, this is already a {$120000.00} case between defamation and willful injury I am certain the district court will rule in may favor.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this is for the account listed on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' with the balance being reported as " {$2300.00} '' this account is firstly being misrepresented, secondly is being inaccurately reported, and lastly the missed payments alone have amass close to {$59000.00} in violations. the fourth issue with this account is the fact that it has been changed off for a few years now meaning the have gotten paid by the Internal revenue service and are still attempting to double dip. pursuant to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX 1990 ) each carrying a violation of XXXX just for the misrepresentation of the debt and the missed payments that are still being reported on this credit file. amount to about {$60000.00} in violation which any district court would open and closed the case without thinking twice on the matter. When speaking not the matter of inaccurate credit history, this account no longer reports to XXXX, because it was deemed inaccurate due to a date breach, and just plain out fraud. Now due to defamation and willful injury, this case law further supports the allegation that I am making in this complaint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX v XXXX XXXX the damages are said to be to the extent of the damages incurred by the wronged party as deemed by the courts, which can and will add up to be similar to the first charges close to the tune of {$60000.00}. without continue to provide the case law for the other allegations, this is already a {$120000.00} case between defamation and willful injury I am certain the district court will rule in XXXX favor.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I request the removal of this HWARFIELD collection account from my credit report, as the original creditor, XXXX XXXX XXXX, transferred my account to a collection agency without giving proper notification. This constitutes a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed several disputes with Equifax and XXXX to remove XXXX XXXX from my credit profile. I submitted court documentation to Equifax and XXXX which was mailed certified mail and uploaded to Equifax and XXXX. XXXX XXXX filed suit against me for a debt that is not mine in court and I filed a counter suit and XXXX XXXX decided to dismiss the case. I want XXXX XXXX remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
I am writing to formally dispute unauthorized accounts, hard inquires and activities on my credit report resulting from identity theft. I believe this theft occurred due to my victimization in a serious crime, specifically being targeted by a XXXX XXXX  XXXX, during which my personal information was compromised. 

The fraudulent activity includes the following accounts listed below, transactions, or inquiries you have identified as unauthorized, e.g., a credit card opened with XXXX XXXX XXXX  on dates listed below These accounts and activities were not authorized by me, and I did not consent to their use or creation. 
Inquires Items that are inaccurate or false XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX  XXXX. ) XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX Inquired on XX/XX/XXXX Accounts Items are inaccurate of false. 
XXXX. ) XXXX  Account Number XXXX. ) XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX -Account Number XXXX XXXX. ) XXXX XXXX XXXX-Account Number XXXX XXXX. ) XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX. ) XXXX  XXXX XXXX Account Number XXXX Personal Information Items are inaccurate or false, defamation of character. 

This has violated my rights.

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 an account without 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. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THR FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLIANT. TO INCLUDE TO METRO & REPORTING STANDARDS. 

Please remove these items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
I am writing to formally dispute unauthorized accounts, hard inquires and activities on my credit report resulting from identity theft. I believe this theft occurred due to my victimization in a serious crime, specifically being targeted by a XXXXXXXX XXXX XXXX during which my personal information was compromised. 

The fraudulent activity includes the following accounts listed below, transactions, or inquiries you have identified as unauthorized, e.g., a credit card opened with XXXX XXXX XXXX  on dates listed below These accounts and activities were not authorized by me, and I did not consent to their use or creation. 
Inquires Items that are inaccurate or false 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 Inquired on XX/XX/XXXXXXXX  Accounts Items are inaccurate of false. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX. ) XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX  XXXX XXXX Account Number XXXX Personal Information Items are inaccurate or false, defamation of character. 

This has violated my rights.

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 an account without 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. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THR FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLIANT. TO INCLUDE TO METRO & REPORTING STANDARDS. 

Please remove these items 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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 



Please provide the following information so I can properly assess the validity of this debt : 1. The name and address of the original creditor.

2. A copy of the written agreement, contract, or other documentation that establishes this debt.

3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated.

4. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor.

5. A complete record of all payments made and their application to the balance. 



Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. 



Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IN

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> appearing on my credit report is inaccurate, unverifiable, or incomplete. 

I submitted a dispute regarding this item to Transunion XXXX XXXX. 
To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611. 
- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report. 

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind. 

To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I request the removal of this account from my credit report, as the original creditorXXXX XXXX, transferred my account to CREDIT COLL, a collection agency, without providing proper notification. This action clearly violates my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
While doing my due diligence, although NCB Management declares that they're licensed and bonded to collect in my state I have attached the states they are actually licensed and registered with and Arkansas isn't one of them. Also, my credit was involved in a data breach with XXXX. I have also attached screenshots of it as well. 

Pursuant to UCC 3-501 ( b ) ( 3 ) ( ii ), I am responding to the XX/XX/year> instrument for the following reasons : Failure of the presentment to comply with an agreement of the parties I have no agreement with NCB MANAGEMENT SERVICES And : Failure of the presentment to comply with other applicable law or rule - Notice of objection to the terms within the enclosed instrument : I object to the terms within the above referenced response. UCC 2-207 ( 2 ) ( c ). 
I refuse payment and refuse acceptance of the instrument and its terms and herewith return it without dishonor. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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