vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kopp Collection Service, Inc.
State: NY

Complaint narrative:
Be advised this is not my debt, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you 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 contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor.

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 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2024-01-08 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:
I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. 

You responded by saying that " VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. 

So, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 
All inaccurate XXXX XXXX XXXX XXXX - account # XXXX Date Opened : XX/XX/XXXX. 
High Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX EQUIFAX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 
I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I write to express my extreme frustration and disappointment with your persistent failure to rectify blatant inaccuracies on my credit report. It has been months since my initial investigation, and the fact that erroneous information still remains is completely unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) explicitly demand the authentication of reported accounts within a reasonable time frame. Your refusal to treat this matter with urgency and produce the necessary proof is an egregious violation of these statutory requirements. I demand an immediate and thorough investigation into the unverifiable items associated with the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00}. XXXX has already demonstrated a responsible and corrective approach by removing late dates and updating the negative status of this account to a positive one. It is bewildering and infuriating that your bureau has failed to emulate this action, especially considering the evident error in the 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 2024-01-08 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:
Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against Transunion XXXX and [ XXXX XXXX XXXX and XXXX XXXX  as well as XXXX Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.

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 2024-01-08 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against XXXX XXXX and [ XXXX XXXX XXXX and XXXX XXXX as well as XXXX Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.

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 2024-01-08 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can '? be provided l demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the FCBA, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the FCBA in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXX XXXX, and 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 2024-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
SANTANDER CONSUMER USA INC is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. In accordance with 15 U.S.C 1681 S2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors : A person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In accordance with IRS XXXX XXXX, Form XXXX was filed as a cancellation of debt. ( XXXX XXXX B Attached ) Once this document is filed, it must be reported as gross income on my tax return. The IRS also clearly defines a charge-off, as SANTANDER is inaccurately reporting on my consumer report, as GROSS or ORDINARY INCOME. SANTANDER should also understand that the charge-off that's being inaccurately reporting is now considered as a XXXX of XXXX, which is also considered income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. By definition, the IRS clearly says a canceled debt or XXXX  is XXXX. The reporting of this account as a debt is inaccurate. This account should be reporting as a satisfaction of debt. " Paid As Agreed! '' 15 USC 1681 S-2 reinforces that SATANDER IS PROHIBITED BY LAW to furnish inaccurate information. Furthermore, I sent SATANDER an Opt-Out letter with no response. ( Letter Attached ) Per 15 USC 6802 and 16 CFR 313.7, as a consumer I can exercise my right to Opt-Out at any time. I exercised that right, with no response, in violation of XXXX  USC 6802, 16 CFR 313.XXXX and more importantly the Privacy Act of 1974. Also within the confines of SATANDER 'S XXXX  filing with the XXXX, they have already sold the contract between us, as an investment security, to investors. SANTANDER has reaped the benefits of all the proceeds of the sale. This is also evidenced in the 424 ( b ) XXXX Prospectus. ( Excerpts from 10K filing Attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
As of XX/XX/XXXX, according to Mohela 's tracker, I had XXXX payments to go in order for XXXX loans to be forgiven. Also, according to their tracker, I had XXXX payments to go on the remaining XXXX remaining loans. This was based upon my last XXXX form submitted in XX/XX/XXXX. Please see screen shot attached. 

After submitting my new XXXX in XX/XX/XXXX, instead of having the XXXX loans forgiven and the remaining XXXX loans reduced to XXXX payments, Mohela 's tracker, now claims that I have XXXX more payments to go on the XXXX loans and I still have XXXX payments for the remaining XXXX loans. Please see the document they sent me on XX/XX/XXXX. 

This company is attempting to add on payments and is trying to cheat those who qualify for loan forgiveness, and I want them held responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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