vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Subject : Dispute of Unauthorized Disclosure of Personal Information Dear Sir/Madam, I am writing to inform you that I recently discovered that my personal information was sold to a third party account without my consent. This unauthorized disclosure of my information is not only a violation of my privacy rights but also a breach of trust. 

The details of the unauthorized disclosure are as follows : - Date of unauthorized disclosure : XX/XX/year> -LVNV - Any additional relevant information : Fraud I demand that you immediately cease any further disclosure of my personal information to any third party and take necessary steps to rectify this situation. I am also requesting a written confirmation that my information has been removed from your records and from the third party to whom it was sold. 

Failure to comply with my request may result in legal action being taken against your company. I expect a prompt and satisfactory resolution to this matter. 

Please respond to this dispute in writing within 30 days to confirm the actions taken to resolve this issue. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: WY

Complaint narrative:
On XX/XX/year> I received a text message from XXXX stating " PFC, a debt collector : Your notice regarding XXXX XXXX XXXX XXXX. Password is 5 digit XXXX XXXX  Reply STOP to end. I have no knowledge of a debt. When opened I called the phone number and was told " we have ahigh volume of calls. '' I was on hold for over 30 minutes. I need IMMEDIATE verification of the debt, all signed documents by me, all services provided and MY contract with PFC as I have no knowledge of who they are what they do and I have not entered into any contract with them. My current mailing address is attached to this complaint. PFC is to only contact me via US Mail. Not Text or Call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
I previously sent in a letter to Transunion in regard to idenity theft of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account should be removed from my credit report immediatly Transunuion has failed to remove this information from my consumer credit report in a timely manner. I do not belive that transunion has conducted a investigation. I am now demanding that transunion remove these said accounts from my credit report within four business day do to idenity theft. It is from my knowledge of the fair credit reporting act 15 usc 1681c-2 that this fraudlent information be blocked from reporting to 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 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GLOBAL CREDIT UNION
State: OH

Complaint narrative:
There are discrepancies on the loan document I have and the one Global credit union gave me. 
On my loan term it says 84 months and on my credit it says 90 months. Global credit union also does not send me bills by mail or email they just send me a statement after I made a payment online telling me how much I owe them. This loan is predatory I have not received my title and I don't know why they are still trying to collect money from me. This loan is also tied to fraudulent concealment because I was lied to about my brand new car not having a manufacturer warranty and was told it would be necessary to get an extended warranty and gap insurance in which it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Heres a CFPB complaint draft for XXXX XXXX XXXX : -- - **Subject : ** Disputed Collection Reporting Failure to Validate Debt Account Details : Creditor : Midland Credit Management Account Number : 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 XXXXI , am filing a complaint regarding Midland Credit Managements handling of a disputed collection account. Despite mailing a dispute and debt validation request to Midland Credit Management on XX/XX/XXXX, I have not received a response. The company has reported a balance of {$750.00} on behalf of the original creditor, XXXX XXXX XXXX XXXXXXXX, and states that the account was placed in collections on XX/XX/XXXX. The last verification of this account occurred on XX/XX/XXXX, but Midland Credit Management has not provided any documentation to validate the debt, which is required under the Fair Debt Collection Practices Act. 

The current status of " Account information disputed by consumer '' does not reflect any action by Midland Credit Management to investigate or verify the debt despite my timely dispute. I request that this account be thoroughly investigated, and that Midland Credit Management either provides complete validation or promptly removes the inaccurate reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy.

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records. 

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-28 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: NC

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy. 

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records. 

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-28 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: SC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
My credit report has late payment entries that seem inaccurate based on my payment history. Please correct these errors and adjust my account details. Thank you!

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 2024-10-28 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to XXXX asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to XXXX asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to each credit bureau asking them to verify this debt or remove it from my credit profile. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
today is XX/XX/year> I closed the bank of america card a year ago, and just paid if off XXXX balance. 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of them.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Concora Credit wanted me to send my Driver 's license via mail or fax. I responded I did not feel comfortable as it is not a secure way of sending private information. The representative stated there was no other way to send the information more securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
Amount : {$470.00}. Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXXXXXX XXXX XXXX XXXX XXXXXXXX is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )

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 2024-10-28 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: PA

Complaint narrative:
Amount : {$470.00}. Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX XXXX XXXX XXXX XXXXXXXX is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XXXX XXXX XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TN

Complaint narrative:
There are accounts on my credit report that appears to be incorrect or doesnt belong to me.

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 2024-10-28 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:
I have inquiries on my credit report that I didnt authorized. These inquires are all fraudulent, The Fair Credit Reporting Act ( FCRA ) Section 605B outlines the information needed to dispute fraud on a consumer 's credit file : Proof of the consumer 's identity A copy of an identity theft report Identification of the information in question by the consumer A statement from the consumer that the information is not related to a transaction they made 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

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 2024-10-28 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX XXXX XXXX, account number XXXX balance {$1300.00}

Company response to consumer: Closed with explanation