vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: IA

Complaint narrative:
I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
This action being taken each month it affects my credit score, credit report, and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This action being taken each month it affects my credit score, credit report, and creditworthiness.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX Your NAME : XXXX XXXX Your addressXXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right

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 2024-09-07 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: TN

Complaint narrative:
I haven't signed any contract with ELEVATE RECOVERIES LLC nor have I received any service from them. I have not given my permission to any third-party to distribute my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: AK

Complaint narrative:
XXXX, Equifax, and XXXX have refused to remove the negative accounts that do not belong to me from my credit reports. Despite multiple requests, these fraudulent accounts remain, damaging my credit and personal reputation. 

On XX/XX/year>, while applying for the Alaska Permanent Dividend Fund ( PFD ), I encountered a serious glitch on their website. As I was submitting my application, the page refreshed and began displaying another individuals personal information. This included their address, date of birth, Social Security number, and bank account details. 

On that same day, I received two phone calls from individuals who had seen my personal information on the PFD website during the glitch. They confirmed that they had access to all of my private information. 

Soon after this data breach, fraudulent accounts began appearing in my name, clearly using the information that was leaked through the PFD website. I did not authorize the use of my personal information in any form, and my identity was stolen to create these fraudulent accounts. 

I demand that XXXX, Equifax, and XXXX immediately remove these fraudulent accounts from my credit reports. This is my last warning, and I would prefer to resolve this matter peacefully, without the need for court intervention. However, if this issue is not resolved promptly, I will take legal action. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and you are legally obligated to ensure that my credit report only reflects legitimate accounts. If you continue to refuse to act, I will pursue all available legal remedies, including litigation, to hold you accountable for the damage caused by this negligence. 

the following account are not mine and inquiries are not mine 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : 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  These fraudulent accounts have led to numerous hard inquiries and collections showing up on my consumer FICO credit report, causing me significant stress. I am requesting the immediate removal of these fraudulent items from all my credit reports and that any related collection activities be halted, as stipulated by my rights under the FCRA and FDCPA laws. Attached is a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, which verifies that these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-07 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:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Balance XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  DEALER XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This debt was included in husbands bankruptcy and despite repeated efforts of informing the for 7 years they are still trying to collect and marking payments as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX first set of letters arrived XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed this debt, and they never replied in a timely manner, see attached letters. They also said that they could not verify that I did pay this debt in chapter XXXX bankruptcy I have attached a statement for your review. XXXX XXXXXXXX set of statements came on XX/XX/XXXX, XXXX sets of statements, than XXXX sets of statements of XX/XX/XXXX, please find attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/year>, I charged {$170.00} for my XXXX teaching platform. On XX/XX/year>, I paid {$200.00} to pay off that charge. After that I paid {$500.00} more toward the balance of the card. I was charged {$1.00} in interest for that month. Also, in total, I paid 29 TIMES THE minimum amount due for that month. 

In XXXX, XXXX, I paid timely {$330.00} toward the balance on the card. I paid XXXX XXXX times the minimum payment due for that month and was still charged {$1.00} in interest. I made no charges on the card during XXXX. 

The balance due since XXXX on this card ( and previously ) is a XXXX PERCENT INTEREST PROMOTIONAL BALANCE. I have paid ENORMOUS AMOUNTS on this card in the last months. 

I called customer service Friday to find out why I was charged interest on this card. They said according to their terms of my promotion, it is up to their discretion, as to whether or not they charge interest. 

Why am I still being charged interest, when I paid off the charge in XXXX? In my opinion, with me paying XXXX XXXX times what was requested in a minimum payment over XXXX and XXXX, it is certainly bad business to charge me interest, when there were no charges in XXXX. With all credit card companies that I've dealt with, after a charge is paid off, no interest continues to accrue. Why was I charged interest at all and in particular, why was I charged interest in XXXX? 

I am a valuable customer to PNC and this is insulting, bad business and it is horrible to treat a customer like this. If it is, in fact, up to their discretion, as to whether or not interest is going to be charged to me, they need to up their discretion and determine which customers they want to keep and which they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is information on my credit report with missing or incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/2024, I reviewed my credit report and found a collection account from Credence Resource Management that I do not recognize. The account is for an alleged debt related to XXXX XXXX XXXX, which I dispute. I do not believe the debt is valid, and I have requested validation from the collection agency under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have sent a formal debt validation request to Credence Resource Management, asking for proof of the debt, including any signed agreements, a detailed accounting of the charges, and verification of the original creditor. To date, they have not provided any documentation validating the debt, yet they continue to report this information on my credit report. 

I am attaching a copy of the letter I sent to the collection agency for your review. I request your assistance to ensure that Credence Resource Management complies with federal law and ceases reporting this debt until validation is provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is in reference to CFPB complaint numbers XXXX ( credit cards ) and XXXX ( auto loan ) that are now closed. On or about XX/XX/year>, I submitted a compliant to CFPB because two accounts were open in my name and listed on my XXXX credit report. I made several attempts at resolving the issued with the vendor Capital One and Capital One Finance ( through phone calls ) but was informed that no such information was listed with my information in their records. Therefore, I made the CFPB compliant ( see numbers XXXX ( credit cards ) and XXXX ( auto loan ) ) to resolve the issues and was also told that Capital One and Capital One Finance did not have any information or accounts opened with my name/personal information ( see your files for company response ). Today, I go to check my XXXX credit report and find that this information is listed on my XXXX report and now there is a third account listed. I have never authorized the opening of any accounts with Capital One or Capital One Finance or any of its affiliates. The three fraudulent accounts listed on my XXXX Credit report is as follows : Ending in XXXX Credit Card Account {$1800.00} balance ( cfpb # XXXX ). 
Ending in XXXX Credit Card Account $ XXXX credit limit {$0.00} balance. 
Ending in XXXX Capital One Auto Finance {$15000.00} balance ( cfpb # XXXX ). 
I am kindly asking for these accounts to be removed from my credit report. I have been a victim of identity theft, and the information listed on my credit report related to Capital One and Capital One Finance is fraudulent and erroneous. I have not authorized the opening of any Capital One Accounts. Ive enclosed portions of my XXXX credit report to assist you in removing this information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: VA

Complaint narrative:
This is in reference to CFPB complaint numbers XXXX ( credit cards ) and XXXX ( auto loan ) that are now closed. On or about XX/XX/year>, I submitted a compliant to CFPB because two accounts were open in my name and listed on my XXXX credit report. I made several attempts at resolving the issued with the vendor XXXX XXXX and XXXX XXXX XXXX ( through phone calls ) but was informed that no such information was listed with my information in their records. Therefore, I made the CFPB compliant ( see numbers XXXX ( credit cards ) and XXXX ( auto loan ) ) to resolve the issues and was also told that XXXX  XXXX and XXXX  XXXX XXXX did not have any information or accounts opened with my name/personal information ( see your files for company response ). Today, I go to check my Equifax credit report and find that this information is listed on my Equifax report and now there is a third account listed. I have never authorized the opening of any accounts with XXXX XXXX or XXXX XXXX XXXX or any of its affiliates. The three fraudulent accounts listed on my Equifax Credit report is as follows : Ending in XXXX Credit Card Account {$1800.00} balance ( cfpb # XXXX ). 
Ending in XXXX Credit Card Account $ XXXX credit limit {$0.00} balance. 
Ending in XXXX XXXX XXXX XXXX XXXX {$15000.00} balance ( cfpb # XXXX ). 
I am kindly asking for these accounts to be removed from my credit report. I have been a victim of identity theft, and the information listed on my credit report related to XXXX XXXX and XXXX XXXX XXXX is fraudulent and erroneous. I have not authorized the opening of any XXXX XXXX Accounts. Ive enclosed portions of my Equifax credit report to assist you in removing this information. Thank you.

Company response to consumer: Closed with explanation