vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Formal Demand for Debt Verification under 15 U.S.C. 1692g To Whom It May Concern, This letter serves as a formal request for debt verification in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of the alleged debt that TrueAccord Corp. claims I owe. As such, I am exercising my rights to demand full verification of this alleged debt before any further collection actions are taken. 

According to 15 U.S.C. 1692g ( b ), once a debt is disputed, all collection activities must cease until TrueAccord Corp. provides verifiable proof that the debt is valid. As established in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), any alleged debt must be verified through specific, concrete documentation. General statements or mere assertions are insufficient to meet this requirement. 

Verification Requirements : I am requesting the following information to verify the alleged debt : Proof of Original Creditor : A copy of the agreement or contract with the original creditor that establishes the basis for the alleged debt, along with a clear history of how the debt originated and changed hands. 
Evidence of Legal Authority : Documentation that demonstrates TrueAccord Corp. has been assigned or granted the legal right to collect the alleged debt, including any contracts or assignments that support this authority. 
Detailed Account and Payment History : A full breakdown of the alleged debt, including the principal amount, any fees or interest, and a comprehensive calculation of the total sum claimed. 
Until these requirements are met, TrueAccord Corp. is prohibited from engaging in further collection activities, as mandated by federal law. The court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) emphasizes the necessity for debt collectors to validate their claims with clear, documented evidence. 

Notice of Legal Action : If TrueAccord Corp. fails to provide the requested documentation, or if there are further collection attempts without proper validation, I will have no choice but to pursue all legal remedies available under the FDCPA. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will not hesitate to take legal action if necessary to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/year> Requested a new credit card and balance transfer of close to {$5900.00} with Discover. 

Approved for a credit line of {$2000.00}. 

Called the company to cancel my balance transfer since my credit line was less than the balance transfer request but was notified that they could not do it because it would take 48 hours to get me in the system, but I was notified that I would have two weeks to cancel the balance transfer. 

I did not agree to the terms and conditions on the discover website once I found out that my credit limit was less than the balance transfer request, but my credit card request was processed anyway. 

XX/XX/year> Called to cancel the balance transfer within the two-week window but I was told that the balance transfer was already processing and that it couldn't be canceled. I do not approve of this balance transfer, and I wanted to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not authorize these unauthorized fraudulent inquiries below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES FROM MY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal infromation was also exposed in the XXXX XXXX and my XXXX was leaked in national public data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I HAVE TRIED TO RESOLVE THIS MATTER ON MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, and XXXX. I HAVE INSURANCE ON MY JOB OF XXXX  YEARS AND NEVER HAD AN OUTSTANDING MEDICAL BILL. 
SO AS OF XX/XX/year> I REFUSE TO PAY THIS DEBT AND THIS IS MY NOTICE FOR A CEASE AND DESIST.

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 2024-10-29 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:
I HAVE TRIED TO RESOLVE THIS MATTER ON MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX. I HAVE INSURANCE ON MY JOB OF XXXX  YEARS AND NEVER HAD AN OUTSTANDING MEDICAL BILL. 
SO AS OF XX/XX/year> I REFUSE TO PAY THIS DEBT AND THIS IS MY NOTICE FOR A CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account is hurting my XXXX XXXX XX/XX/year> the limit is XXXX balance is XXXX Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

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 XXXX : 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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Money was taken directly from my paycheck stating garnishment by a law company attempted to collect credit card money signed by judge but nobody approached me from the court or lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: MA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2024-10-29 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: TX

Complaint narrative:
Please review this complaint carefully, as it was not sent by mistake. It appears that incorrect information has been included in my report ; I am seeing accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me considerable stress and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: NE

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. Details of Communication and Timeline of Non-Response : XXXX. Initial Dispute - On XX/XX/year>, I sent XXXX a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. XXXX failed to respond within the XXXX investigation period required by law. XXXX. Second Request for Reinvestigation - XXXX XX/XX/year>, after not receiving any response from XXXX, I sent a second letter asking them to reinvestigate my initial dispute. Again, XXXX did not respond or communicate any action taken. XXXX. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final XXXX  on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from XXXX regarding my dispute. Under the FCRA, consumer reporting agencies like XXXX are legally obligated to : - Investigate disputed information within XXXX  days ( or XXXX  days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, XXXX has far exceeded this timeframe, ignoring XXXX separate letters and my legal right to an investigation. - Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do. XXXX 's lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile. For the CFPB 's review, I am enclosing all letters sent to XXXX, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate XXXX 's failure to comply with FCRA guidelines within the legally required timeframe. XXXX lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have XXXX or XXXX accts with XXXX and Midland Credit. I have contacted both regarding my account with these XXXXXXXX XXXX XXXX  They have my case as XXXX and that is not valid. They have denied me any documentation I have asked for and I am in a position where its important this is corrected immediately! I thank you and pray these are removed from my credit since they are false and invalid! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This issue is the same as has been previously submitted to CFPB ( case # XXXX and case # XXXX ). We are submitting additional documentation to enable further investigation by CFPB. We are working with XXXX to get Synchrony Bank to get this charge identified as fraud. We have spend many hours on the phone with their staff and after many investigation they keep saying we owe the money to them- but we did not order or Receive the item. 

I experienced identity theft for multiple accounts in XX/XX/year>. All other items have been resolved with the exception of this charge for a laptop computer I DID NOT order or Receive in my possession. I have been unable in 18 months to get this resolved, it is a fraudulent charge. At present they have also double counted the {$2100.00} charge and say I owe {$4300.00}. 

I need your help to resolve this matter.

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 2024-10-29 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: Southern Auto Finance Co
State: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX XXXX date XX/XX/year> XXXX, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within XXXX  days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
company failed to comply and provide proof that they have my written permission to share my personal information it has come to my attention that my personal informationincluding but not limited to account numbers, phone numbers, and other sensitive personal detailshas been improperly shared with XXXX, XXXX, and XXXX without my explicit consent. I did not authorize these disclosures, nor did I receive the legally required notice or opportunity to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Since XXXX, I have repeatedly attempted to access my XXXX XXXX credit card account to make payments. This issue arose after XXXX XXXX financing transitioned to TD Bank, resulting in account restrictions following the merger. Consequently, my payment history has significantly impacted my credit score, and despite my efforts, I have been unable to contact customer service to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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