vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
The debt collection agency NATIONAL CREDIT SYSTEMS parked a debt on my consumer reports without notifying me of the alleged debt. I never received a notification or disclosure to dispute the debt or that the communication was from a debt collector. I, XXXX XXXX, noticed that NATIONAL CREDIT SYSTEMS is not licensed in the state of XXXX or XXXX. This company also gives implications that the holder of this account is from an attorney. A violation per 15 USC 1692e ( 3 ). This company is also damaging my financial reputation placing this alleged debt on my consumer report with the three consumer reporting agencies. A violation of 15 USC 1692d ( 1 ). This behavior is deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
Wakefield & Associates Account XXXX XXXX Dear Wakefield & Associates ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$1700.00} to XXXX XXXX XXXXXXXX XXXX XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : WAKEFIELD & ASSOCIATES is violating your consumer rights by using false misleading, misrepresentation and deceptive means. WAKEFIELD & ASSOCIATES has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I request the following information : The name, address, and phone number of the original creditor. 
A detailed breakdown of the charges and fees associated with this debt. 
Any evidence you have that I am legally obligated to pay this debt. 
Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Well my first state and I only had this card a short time it is closed now because of the issues that is bad bad customer service If my first two payments were messed up. O really did not need this card in the first place. I will pay a small balance but just want to be done with it cut up and thrown in trash where it belongs

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX OF 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 2024-02-22 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: SC

Complaint narrative:
After receiving a copy of my credit report following a dispute, I noticed a few unauthorized inquiries on my consumer report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/202XXXX XXXX has all these dates documented along with the collection comppany I have repeatedly asked them to send me prof of who used my information and they have failed to send me the information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After receiving a copy of credit report following a dispute, I noticed unauthorized inquiries on my report. 
XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 2024-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX I'm a member of XXXX  and i was a victim of XXXX XXXX. they stole {$48000.00} from my loan that they took out under my name. they are a threat to society and should be regulated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Current Aidvantage account amount {$3800.00} has increased while apart of the Income Driven Program without notice.I am not liable for this account.I do not have a contract stating the the current incident.I am a Victim of Identity theft. 

By the provision of the Fair Credit Reporting Act, I demand that that these items be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Name : XXXX XXXX Phone # XXXX Email : XXXX Collector Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX RE : Dispute of Debt and Violation of Consumer Rights Dear XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) I am writing to dispute the debt referenced above and allege violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Debt Validation : I have received your communication regarding the alleged debt, but you have not provided the required validation information as outlined in 12 CFR 1006.34 and B5 of the FDCPA. This regulation states that you must send a written validation notice within five days of your initial communication, containing details such as the amount of the debt, the name of the original creditor, and the date of the last activity on the account.

Failure to Dispute : Furthermore, your actions violate 12 CFR 1006.34.c4i of the FDCPA, which requires you to provide me with a reasonable opportunity to dispute the debt before taking any further action. I have not been afforded this opportunity.
Consumer Reporting : Despite the lack of validation and dispute opportunity, you have reportedly placed this debt on my consumer report. This constitutes a violation of 12 CFR 1006.34 ( d ) of the FDCPA, which prohibits debt collectors from reporting inaccurate or unverified information to credit reporting agencies. Additionally, it violates 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the FCRA, which prohibits furnishing incomplete or inaccurate information to credit reporting agencies.

Demand : I demand the following immediate actions : Provide written validation of the debt as per 12 CFR 1006.34 and B5 of the FDCPA. 
Cease all collection efforts until the debt is validated. 
Remove the debt from my credit report if it has already been reported. 
Provide written confirmation of these actions within 30 days. 
Further Action : Please be advised that if you fail to comply with my demands, I will be forced to pursue further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal counsel. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
On XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report. 

On XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX illegally ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Credit Collection Service XXXX XXXX XXXX XXXX. XXXX, MA XXXX Subject : Collection Agency Violating Consumer Laws Dear Sir/Madam, I am writing to dispute a collection debt that has been placed on my credit report by your Agency, Credit Collection Service , regarding an alleged debt. It has come to my attention that your agency violate my consumer protection laws, including but not limited to the following : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite my request for validation information pursuant to this regulation, you have failed to provide the necessary validation of the debt, yet you have proceeded to place this debt on my consumer report. This action is in direct violation of the requirement to provide validation information upon request from the consumer. 


Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in question in accordance with this regulation. It is my right as a consumer to dispute any inaccuracies or discrepancies regarding the alleged debt, yet your agency has failed to provide me with this opportunity.

Violation of Consumer Rights : Your agency has engaged in false, misleading, misrepresentation, and deceptive practices in its collection efforts. These actions constitute a clear violation of consumer rights and protections.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Your agency lacks the authority to furnish any account to a consumer reporting agency without providing all required disclosures by law. By furnishing this account to a consumer reporting agency without adhering to the necessary disclosures, you are in clear violation of these regulations.

I demand that your agency cease all collection activity related to this alleged debt until such time as you can provide proper validation information and afford me the opportunity to dispute the account in accordance with the law. Furthermore, I request the immediate removal of any negative entries related to this debt from my consumer report, as they are inaccurate and misleading. I am also requesting the purchase agreement between your Agency and the original Creditor, and also furnish proof that you are licensed and bonded. 
Failure to comply with these requests will leave me with no choice but to pursue further action, and seek legal recourse. 

Sincerely, your

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 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from XXXX, XXXX, Trans Union or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.

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 2024-02-22 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: TX

Complaint narrative:
I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from XXXX, Experian, XXXX XXXX or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.

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 2024-02-22 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-02-22 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: MN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 response to consumer: Closed with non-monetary relief