vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm. a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

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 2024-11-30 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: Rozlin Financial Group, Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint against Rozlin financial Group LLC for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent Rozlin financial Group LLC a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Rozlin financial Group LLC has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt.

Additionally, despite failing to validate the debt, Rozlin financial Group LLC has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

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 2024-11-30 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: United PanAm Financial Corp.
State: MA

Complaint narrative:
I reported that my address was reporting incorrectly a long with other information and in less than 24 hours a decision was made that the address would stay on my report. I gave them documents that proved my address was wrong but they still updated it to be correct. I am a victim of fraud and identity theft I have been trying to get the inaccurate information removed from my report for years at this point, I have had no success working with the credit bureau. I would like my report to reflect the accurate information ONLY.

Incomplete, inaccurate information or unverifiable must be removed in 30 days PER 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

Incomplete and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
SECTION 623 ( a ) ( A ) Personal Statement Personal Statement Personal Statement SECTION 623 ( a ) ( A ) i am writting to formally request the removal of inaccurate, negative, fraudulent, and outdated items from my XXXX, XXXX, TRANSUNION credit report. As per my rights under the Fair Credit Reporting Act, i am entitled to dispute and correct any erroneous information thats adverserly affects my credit standing please investigate and rectify the discrepancies in my credit reports promptly to ensure they reflect accurate and fair nformation. 
Accounts Affected

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 2024-11-30 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent Portfolio Recovery Associates a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Portfolio Recovery Associates has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt.

Additionally, despite failing to validate the debt, Portfolio Recovery Associates has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CrossCheck, Inc.
State: FL

Complaint narrative:
XXXX Received a threatening voicemail from a women named XXXX XXXX stating she works for XXXX XXXX XXXX XXXX. She said I'm in your county and I am 1 hour away to take interior and exterior pictures of my vehicle which was in my garage. Also she was having sign papers. If I was not there she was coming to my employer next. If I am not there she is giving them to county director as direct refusal. 

She also called my ex wife at her employer. She left same message. We have been divorced XXXX  years. The debt is XXXX  years old. As provided in voicemail transcripts she threatened to come to her employer if I was not home. We don't live together. Were divorced a long time. Our youngest daughter was home sick that day with with XXXX XXXX XXXX grandmother who lives with her mother. There was no need for his harassment and she still is perusing her legal options. 

Both me and my ex wife received multiple calls in back to back from phone number that was used for messages. 

She is a debt collector for a line of credit I had taken out from a company named XXXX XXXX. She did not identify herself. Copies of both voice messages provided. 

When I called number the she called from they answered as cross check and said they work for attorney in the middle. I was told a lawsuit was filed against me and if I did not pay full amount owed XXXX was coming to have me sign papers for my court case. But if I paid it would be stopped electronically. We reached a payment plan agreement. Where initially had to pay XXXX that day for her to stand down. On the documents emailed from cross check with plan they identify themselves as debt collector not how they describe themselves on phone. Also XXXX XXXX she wants to portray a officer of the court when she is debt collector. 

I contacted my local court house in the county and there was no documentation of anything and they expressed it may have been a scam and was concerned of XXXX XXXX behavior and messages. I search to see if this company under the name she proved was register to operate in the state of XXXX  and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Urgent Complaint Regarding Missing Funds and ACH Deposits Simple/BBVA/PNC Transition Dear Consumer Financial Protection Bureau , I am writing to formally complain about the handling of my Simple Online Bank Account , which was backed by BBVA USA and later acquired by PNC Bank. Following the transition, I have been unable to access my funds or locate incoming ACH deposits from the U.S. Treasury ( IRS ), as detailed below : 1. - I was a customer of Simple Bank, whose accounts were serviced by BBVA USA. Simple Bank closed its operations around XX/XX/XXXX, and customers were informed that their accounts would transition to BBVA USA while maintaining the same routing and account numbers. 
- At the time of closure, my account had cash, which I initially wrote off as a loss after BBVA USA claimed no record of my account during a subsequent inquiry.

2. - Upon reviewing my IRS transcripts for XXXX and XXXX, I discovered multiple ACH deposits ( amounts and dates available ) that were sent by the IRS to my Simple/BBVA account 's routing and account numbers.

- These deposits were not returned as undeliverable, according to my IRS records, yet I never received the funds.

3. - I contacted BBVA USA and PNC Bank multiple times but was informed that there were no records of my Simple Online Bank Account, despite BBVA USA being the servicer of those accounts.

- My Simple Bank debit card was inactive and destroyed during the time of these missing deposits, further confirming I could not have accessed or withdrawn these funds.

4. - In XX/XX/XXXX, I IRS told me that they had to initiate a trace on the missing deposits. However, they have not provided any resolution or explanation for the missing funds.

5. - As a long-standing customer of Simple Bank with a clear paper trail of my account activity, I demand that the involved entities ( Simple, BBVA USA , PNC Bank , or the IRS ) locate and return my funds immediately. 
- If no action is taken, I will file police reports and consider legal proceedings for fraud, theft or mishandling of my finances. 

**Supporting Documentation** : - IRS transcripts from XXXX and XXXX showing the ACH deposits. 
- Proof of my Simple Bank account details, including the routing and account numbers. 
- Correspondence with BBVA USA, PNC Bank representatives and the IRS regarding this matter. 

This situation has caused significant financial and emotional distress. I urge your office to investigate this matter urgently and hold the responsible parties accountable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, XXXX XXXX, COMENITY BANK XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX, COMENITY BANK XXXX that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent I am writing to file a formal complaint against Credit Collections for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent Credit Collections a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Credit Collections has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, Credit Collections has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm. a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Credit Collections has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, Credit Collections has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> in XXXX XXXX  I was involved in an accident that totaled my car which I was not at fault for. The car was deemed a total loss that next week and therefore placed into the hands of gap insurance and Im not sure why XXXX XXXX  marked it as a missed payment I have the insurance documents as well.

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 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their failure to provide IRS Form 1099-C documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the account in question are as follows : Account Number : XXXX Reported Balance : {$430.00} I have previously contacted XXXX XXXX XXXX  requesting a copy of the 1099-C form for this account to verify their reporting of the debt as canceled or discharged. However, despite my request, they have failed to provide the requested documentation or any evidence supporting their continued reporting of this account.

Without proper documentation, the reporting of this account may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate this account creates confusion and potentially damages my credit profile unfairly.

Actions Requested : 1. Investigate XXXX XXXX XXXX  failure to provide the requested 1099-C form for the account listed above.

2. Verify whether XXXX XXXX Bank properly discharged the debt and issued the required documentation to the IRS.

3. If XXXX XXXX XXXX  can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to this account from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX XXXX  complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their failure to provide IRS Form 1099-C documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the account in question are as follows : Account Number : XXXX Reported Balance : {$430.00} I have previously contacted XXXX XXXX XXXX  requesting a copy of the 1099-C form for this account to verify their reporting of the debt as canceled or discharged. However, despite my request, they have failed to provide the requested documentation or any evidence supporting their continued reporting of this account.

Without proper documentation, the reporting of this account may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate this account creates confusion and potentially damages my credit profile unfairly.

Actions Requested : 1. Investigate XXXX XXXX XXXX  failure to provide the requested 1099-C form for the account listed above.

2. Verify whether XXXX XXXX XXXX  properly discharged the debt and issued the required documentation to the IRS.

3. If XXXX XXXX XXXX  can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to this account from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX XXXX  complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their failure to provide IRS Form 1099-C documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus.

The details of the account in question are as follows : Account Number : XXXX Reported Balance : {$430.00} I have previously contacted XXXX XXXX XXXX  requesting a copy of the 1099-C form for this account to verify their reporting of the debt as canceled or discharged. However, despite my request, they have failed to provide the requested documentation or any evidence supporting their continued reporting of this account.

Without proper documentation, the reporting of this account may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate this account creates confusion and potentially damages my credit profile unfairly.

Actions Requested : 1. Investigate XXXX XXXX XXXX  failure to provide the requested 1099-C form for the account listed above.

2. Verify whether XXXX XXXX XXXX  properly discharged the debt and issued the required documentation to the IRS.

3. If XXXX XXXX XXXX  can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to this account from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX XXXX  complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.

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 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.

Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 16811 once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation