vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: WA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiries were not authorized and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: WA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiries were not authorized and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by CAVPS Cavalry Portfolio Services. This account references an amount of {$1100.00}, purportedly from the original creditor, XXXX XXXX, with the account number XXXX. Upon contacting XXXX XXXX directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either XXXX XXXX or CAVPS Cavalry Portfolio Services, and I believe this account is fraudulent.

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action.

To resolve this matter, I am requesting that CAVPS Cavalry Portfolio Services provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts.

Proof of their authorization to operate in my state.

Evidence supporting the alleged debt, including any signed contracts or agreements.

A full and complete account history, including all related charges and transactions.

Their failure to provide this information violates FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay.

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus.

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2024-10-05 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation
State: FL

Complaint narrative:
Argosy University sold their program and continued with telephone tactics to enroll us students. Argosy University made a lot of promises to their students and they did not follow through. One example is getting their XXXX XXXX XXXX XXXX XXXX accreditation. I attended from XXXX with the promise from the first semester of benign XXXX approved which did not happen. Further, we were charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX When addressing this they said they will look into it and once their prices changed they did not refund our money. Additionally, they did not help their student obtain a XXXX XXXX XXXX when it was time to do so. There was no guidance and we were left on our own to do so. Further, my cohort was unable to get our XXXX approved and XXXX complete until we wrote the president stating that if she does not get involved we will go to the media and look into legal actions. Only then did the president get involved and pushed through the XXXX and XXXX process. This was only after several of us had to pay for extended classes which were not cheap. Personally, I was collecting data on many individuals but was told that was not necessary to do a case study. Now looking back that was the wrong guidance and it would have been better for me to continue with a big study. At that time I did not know better and was naive to think my professor would do right by us. Argosy closed and left us with a degree that no one will recognize or if they do it wont be positive which can impact our livelihood and future employment. I also have a loan of {$190.00}, XXXX making {$60000.00} a XXXX XXXX  XXXX. Argosy knew I had XXXX children and would not be able to attend a full-time program and I believe they took advantage of that situation. 

On XX/XX/year> the Argosy University borrowers sent the Department of Education the Argosy University white paper, Argosy Lies : How XXXX XXXX XXXX and Dream Center Foundation Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by Argosy borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, Debt Collective, and XXXX Argosy students, faculty and staff collectively recommends the broad cancellation of all Argosy University loans. 
I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Someone sent me money. Two transactions, one for {$31.00} and one for {$90.00}. That person then disputed with PayPal that they were the sender. PayPal then sent their money back to them, taking my account to a negative balance. PayPal then intercepted any transactions that came in, keeping the money to cover the money they sent back to the original sender. PayPal has been given proof of communications between me and the sender both prior to and after the transactions showing the original sender did in fact mean to send the money. Even after this they continued to intercept any money that came into my account. They have now locked my account so that I can m access any details relative to the transactions and they dont show these transactions where they intercepted money inbound to my PayPal account. They tell me the responsibility for collecting the money from the original sender is on me. I disagree, when the original sender initiated the transactions she sent the money to PayPal to send to me. At that point PayPal became responsible for making sure I received the money. The text messages and call logs I have show the sender acknowledging that she sent the money. She even went so far as to say someone hacked into her account and reported the charges as fraudulent on her behalf even though she didnt tell them to. I dont care about any of that. The people that intercepted and kept my funds are PayPal. They are also the people that sent a refund to a verified sender. This is wholly PayPals responsibility. If they arent held to account for the peoples money they are transferring they shouldnt be allowed to conduct the business of transferring peoples money. After all, the original sender didnt gave the power to pull those funds back, she sent them and at that time committed to that money becoming mine. PayPal showed no due diligence in researching this matter. PayPal did not contact me in any way regarding this matter and does not have the right to intercept my inbound funds to cover a refund they should never have initiated in the first place. I have written their legal department twice and their Chief Counsel once. They refuse to respond or even let me talk to that department. The text messages I have show the original sender asking me to do these transfers for and even show her willing to cover my loss, though she never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by National Credit Systems. This complaint involves a case of identity theft and the failure of National Credit Systems to properly verify the ownership of the debt before reporting it. 

Here are the details of my complaint : The original creditor for this debt was XXXX XXXX XXXX XXXX. The debt was charged off and closed by XXXX XXXX XXXX XXXX. before it was sold to National Credit Systems, a debt buyer.

Despite the fact that the debt was charged off and closed by the original creditor, National Credit Systems has been reporting this debt as open and active on my credit report since the purchase. 

I requested validation of the debt from National Credit Systems, but they failed to provide sufficient evidence proving that this debt belongs to me. It seems that National Credit Systems merely relied on the information provided by XXXX XXXX XXXX XXXX. without conducting proper due diligence to verify my identity or confirm that I am responsible for this debt.

After careful review, I believe that this debt has been wrongly attributed to me as a result of identity theft, and I have no knowledge or record of having incurred this debt.

As a result of this incorrect reporting, my credit report has been negatively affected, and I am facing undue financial harm. I have tried to resolve this matter directly with National Credit Systems, but they have failed to provide the necessary documentation to validate the debt or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: TN

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, 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 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 informationisinaccurate.

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 2024-10-05 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: TN

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 XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 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 informationisinaccurate.

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 2024-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: LA

Complaint narrative:
Re : Account XXXX XXXX Dear World Finance I am writing in regard to the above-referenced account, which you have written off and reported as a charged-off account. However, I have noticed that there is still an outstanding balance being reported or pursued for collection. 

As per federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), once a debt is charged off or written off, it typically signifies that the creditor has determined the debt to be uncollectible for tax purposes. If the debt has been forgiven or cancelled, IRS regulations require creditors to report any forgiven amount exceeding {$600.00} on a XXXX form as cancelled debt, indicating that the debt is no longer owed. 

Moreover, if the creditor or collection agency is attempting to collect this debt despite it being legally written off or forgiven, this XXXX constitute a violation of federal laws. I respectfully request that you cease any collection efforts related to this account and update any credit reporting to reflect a XXXX balance. Kindly provide written confirmation that the debt has been fully forgiven and that no further action will be taken. 

If you believe this account has not been written off or forgiven, please provide me with detailed evidence, including any payment history, the current amount owed, and your legal basis for continuing to pursue collection on this account. Under the FDCPA, you are required to provide such verification upon request. 

Please consider this letter a formal request under the FDCPA to validate the debt and update any inaccurate information with the credit reporting agencies. 

I appreciate your prompt attention to this matter and expect a written response within XXXX  days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by Jefferson Capital Systems. This account references an amount of {$840.00}, purportedly from the original creditor, XXXX XXXX. Upon contacting XXXX XXXX directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either XXXX XXXX or Jefferson Capital Systems, and I believe this account is fraudulent. 

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action. 

To resolve this matter, I am requesting that Jefferson Capital Systems provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts. 
Proof of their authorization to operate in my state. 
Evidence supporting the alleged debt, including any signed contracts or agreements. 
A full and complete account history, including all related charges and transactions. 
Their failure to provide this information violates FDCPA XXXX, XXXX, XXXX ( b ), and XXXX. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay. 

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: VA

Complaint narrative:
Dear XXXX, XXXX XXXX XXXX, you have failed to verify and provide accurate information to the credit bureaus, reporting XXXX  day lates on my account. The burden of proof is on you to provide documentation that this account was late if you are not able to provide documentation that shows the account has been reported late, I am requesting a deletion. Per the federal law FCRA, XXXX have XXXX  days to provide this information XXXX  days allotted by FCRA.

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