vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: NY

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3500.00} XXXX  - XXXX - XX/XX/XXXX - {$3300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE 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 2024-10-08 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: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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

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 2024-10-08 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: AZ

Complaint narrative:
To Whom It May Concern : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: AZ

Complaint narrative:
Unable to make payment on time due to medical bills and have received XXXX calls between XX/XX/year> and XX/XX/year>, regarding late payment. Notified servicer that I will make payment through online portal when I am financially able to and advised to cease cellphone communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The amount of the debt you claim I owe.

2. The name of the original creditor.

3. Documentation that verifies I am indeed responsible for this debt.

4. A copy of any judgment ( if applicable ).

5. A detailed account of any fees or interest that are being added to the original debt.

6. Proof of your authority to collect this debt on behalf of the original creditor.

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I hope this message finds you well. I am writing to address a concerning issue regarding Portfolio Recoverys attempts to collect a balance of {$1000.00}, which they claim I owe as of XX/XX/year>. I have received numerous letters from your office threatening to garnish my wages or seize my property. I want to clarify that this debt was originally sold to you by XXXX XXXX, and I firmly believe it does not belong to you. As such, I request that you remove this debt from your records immediately and cease all collection efforts. Please be advised that pursuing collections on debts that are not legally yours is not only unethical but also against the regulations governing debt collection practices. Thank you for your prompt attention to this matter. I look forward to your immediate response confirming the cessation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-08 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: CO

Complaint narrative:
Some took credit card out in my my name with I am in a XXXX  XXXX. I attached a tell for an example of what I need to incure new debt. No one thinks by law I have to have that letter. I do the ftc. Is involved. What's on my report is XXXX XXXX. I will becasking all XXXX companies to send the letter to me. XXXX XXXX. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. The amount are XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. And XXXX XXXX XXXX XXXX for 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 2024-10-08 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: CO

Complaint narrative:
Some took credit card out in my my name with I am in a XXXX  XXXX. I attached a tell for an example of what I need to incure new debt. No one thinks by law I have to have that letter. I do the ftc. Is involved. What's on my report is XXXX XXXX. I will becasking all XXXX companies to send the letter to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount are XXXX XXXX XXXX XXXX XXXX  XXXX. And XXXX XXXX XXXX XXXX for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: KS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-08 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: TX

Complaint narrative:
I DON'T RECOGNIZE THE ADDRESS AND WANT IT REMOVED FROM MY REPORT IMMEDIATELY. 
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 explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal letter to XXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXX XXXX 
This failure to provide debt validation within the required XXXX period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX  Addresses ). 
Given that XXXXXXXX XXXX did not validate this debt within the legally required timeframe, I hereby demand that Experian immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$960.00}

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 2024-10-08 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: FL

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Student Loans DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2800.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$280.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported date on XX/XX/XXXX ) account number XXXX balance {$4200.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$5100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3900.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$5000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4800.00} Credit Card XXXX XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00} Secured Loan XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I filed a dispute with XXXX XXXX regarding a charge of {$140.00} by XXXX for ordered items not being received. However, XXXX XXXX failed to resolve the dispute within 90 days as it is legally required to do so per FCBA. As the attached document clearly indicated that XXXX failed to resolve the dispute only until XX/XX/year>. 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$140.00}, nor any associated fees, due to its failure to resolve this dispute within the required timeframe. Moreover, I demand the immediate removal of all fraudulent information from all credit bureaus, including XXXX, XXXX, and TransUnion. 

I reserve the right to pursue all available legal actions against XXXX XXXX and all other parties involved for its failures and illegal actions in handling this dispute. 

All fraudulent information, including the reported past due amount, must be immediately removed from all credit bureaus, including XXXX, XXXX, and TransUnion, to avoid further legal action against all parties involved.

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