vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, nearby [ XXXX ] Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Validation of Debt Dear Sir/Madam, I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection or that I owed a debt. I am aware that you purchased this debt for a fraction of its original value, which is a common practice in the debt collection industry. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect any payment from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove it from my credit report immediately. 

. I demand that you provide me with the following documentation XXXX. A valid contract, signed by me, explicitly authorizing you to purchase this debt in my name and report it to my credit report. 
XXXX. A copy of the letter you sent to me informing me of the alleged debt and granting me the opportunity to dispute it before reporting it to my credit report. 
XXXX. A signed contract or agreement between myself and your company, clearly stating the terms and conditions of the debt. 
XXXX. Documentation proving that your company is authorized to collect this debt on behalf of the original creditor. 
XXXX. Detailed statements outlining the amount owed, including any interest or fees that have been added. 

It is essential that you provide this information promptly to avoid any further legal action. I must emphasize that I have never contracted with your company, and therefore, I am not obligated to pay any debt to you. Continuing to harass me with claims of a debt that I do not owe is a violation of my rights under the FDCPA. 

If you fail to provide the requested documentation within 10 days of receiving this letter, I will have no choice but to consider this matter resolved and will take appropriate action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to address your company 's unlawful debt collection practices. 

I strongly urge you to comply with my request and provide the necessary validation of the debt. Failure to do so will only further demonstrate your company 's disregard for the law and will result in severe consequences. 

Please consider this letter as my final attempt to resolve this matter amicably. I expect a prompt response from your company, confirming receipt of this letter and providing a detailed plan of action to address my request for debt validation. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: GA

Complaint narrative:
Credit ninja charged 3 times the amount of XXXX I have paid it twice over now they have turned it over to XXXX XXXXXXXX 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 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On XX/XX/year> Consumer received a debt collection letter from RAUSH STURM LLP, a self admitted third party debt collector with a primary location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Said debt collector has no permissible permission to contact the consumer and has failed to file a debt collector bond as required under Texas law. On the same day as receipt of the letter, Consumer sent a validation request via certified mail, offering to pay upon validation of the alleged debt. Upon the expiration of the thirty days given to validate the debt and instead of verifying the alleged debt, RAUSH STURM LLP filed suit in the XXXX XXXX, Precinct XXXX, Place XXXX, XXXX XXXX, Texas under case # XXXX. Consumer filed a motion to dismiss and a hearing was scheduled to which RAUSH STURM LLP failed to appear and the case was dismissed.

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 2024-10-06 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: VA

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 name : XXXX XXXX XXXX bankruptcy, 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: MN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian for failing to properly investigate and verify disputed accounts on my credit report. Specifically, I have disputed the following accounts with Experian, which they claim belong to me without providing any legally required proof : They are reporting these accounts as open and with a balance every month, while I have repeatedly informed them of these accounts not belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my efforts to dispute these accounts under the Fair Credit Reporting Act ( FCRA ), Experian has come back stating that these accounts are mine but has failed to provide sufficient documentation or evidence to verify the debts. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and must delete or correct any unverifiable or inaccurate information. Experian has not complied with these requirements by failing to produce : Proof of debt ownership, including original contracts or signed agreements confirming my liability. 
Clear and complete documentation of the verification process, including any communication with the original creditors and the evidence used to substantiate the debt.

Additionally, under 15 U.S.C. 1681s-2, data furnishers are also responsible for providing accurate information to credit reporting agencies. Since neither Experian nor the original creditors ( XXXX XXXX XXXX and XXXX XXXX XXXX  ) have provided proof of my liability, these accounts should be removed from my credit report immediately. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that Experian is held accountable for their failure to follow proper verification procedures as mandated by the FCRA. I also request that the CFPB require Experian to provide me with full documentation of any verification or, if they are unable to do so, to remove these accounts from my credit report. 

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 2024-10-06 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: MI

Complaint narrative:
This is from XXXX XXXX XXXX I do not have knowledge about this. I tried to contact them numerous of times they wrote off the balance, but its still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX I HAVE NEVER HAD THIS ACCOUNT AND IT NEEDS TO BE REMOVED ACCT XXXX OPENED XX/XX/year> 2020

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 2024-10-06 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-10-06 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX  have been told to cease and desist they have violated 15USC1681b reporting to all credit reporting agency after being told. I have filed the notice with CFPB check all previos cases filed on file in your records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
According to 15.U.S. CODE 1681 ( N ) & 15.U.S.CODE 1681 ( N ) The following Hard inquiries should not be furnished on my consumer 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 explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXXXXXX ) Account XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by. ( XXXXXXXX XXXX XXXXXXXX ) Account XXXX XXXXXXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 2024-10-06 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: ME

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 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 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 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IA

Complaint narrative:
Cavalry SPV has on my credit report a XXXX charge on my account. They sent me court papers with the name XXXX XXXX. My signature was nowhere on these documents. The collection agency bought information illegally without my approval. I do not owe this debt and want it off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 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 2024-10-06 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: AL

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 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
Consumer complaint received 2024-10-06 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-10-06 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I made multiple attempts to get the information corrected but the company has yet to correct it.

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 2024-10-06 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report, all of which are the result of identity theft. I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report documenting this fraudulent activity. I am a recent survivor of XXXX  XXXX XXXX  and, under the Fair Credit Reporting Act ( FCRA ) Sections 605B and 605C, I am requesting the immediate deletion of these inquiries from my credit report. 

The fraudulent inquiries, dated between XXXX and XX/XX/XXXX, include : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Pursuant to FCRA Section 605B, consumers who have been the victim of identity theft are entitled to have fraudulent information, including inquiries, blocked or removed from their credit report upon providing evidence of the theft, such as an identity theft report. My enclosed FTC Identity Theft Report serves as this evidence.

Further, FCRA Section 605C provides additional protections for victims of human trafficking, ensuring that adverse information resulting from trafficking is removed or blocked from their credit files. Given my status as a survivor of human trafficking, I am invoking these rights under FCRA.

Case law, such as Thompson v. TransUnion LLC, 383 F. Supp. 2d 1024 ( N.D. Cal. 2005 ), supports the obligation of credit reporting agencies to promptly remove fraudulent inquiries and other negative items that result from identity theft once proper documentation is provided. As this case emphasizes, compliance with FCRA mandates immediate action to avoid further harm to victims of identity theft.

I kindly request that TransUnion act in accordance with these legal provisions by immediately removing the above-listed inquiries from my credit report. Failure to do so within the legally required timeframe may result in further legal action to protect my rights under FCRA.

Please confirm in writing once these inquiries have been removed, or if you require additional documentation.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank agreed to fix a problem with my credit reporting, which it did. However after fixing it, they reinserted the problematic information a few days later. XXXX published the information mere days after it was removed.

Company response to consumer: Closed with explanation