vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Eastern Account System XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Collection Account Request for Validation Dear Eastern Account System : I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : Frontier - Account Number : XXXX - Amount Due : {$420.00} I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations. 
XXXX. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor. 

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided.

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

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

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding, LLC Care of Resurgent Capital Services L.P XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Validation Dear LVNV Funding, LLC Care of Resurgent Capital Services L.P : I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX  - Account Number : XXXX - Amount Due : {$1200.00} I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor.

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided.

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter.

Thank you for your cooperation. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Global Lending Services LLC
State: VA

Complaint narrative:
XX/XX/2023 my credit report was pulled without my knowledge and consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
XXXX XXXX {$9800.00} This complaint hasbeen filef to pursuant to Fcra 605B 15usc 1681c-2 that you transunion creditreporting agency block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business daysof you receiving this complaint this fraudulent, inaccurate and false information consists of personal credit cards accounts opened at XXXX XXXXXXXX and XXXX XXXX XXXX These accounts have resulted in several fraudulent chargeoffs appearing on my consumer XXXX credit report.i have attached a copy of Ftc identity Theft Affidavit # XXXX as proof from the Us Ftc that all of aforementioned consumer credit accounts and chargeoffs are a 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 non-monetary relief
Consumer complaint received 2024-11-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Deletion XXXX XXXX XXXX Account/ Violation of Privacy Dear Sir/Madam , I am writing to formally request the immediate deletion of my account with XXXX XXXX Acceptance and to report a violation of my privacy rights by TransUnion. I did not provide oral or written consent for TransUnion to share my personal information with third-party companies, specifically XXXX XXXX XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602 ( a ), it is imperative that consumer reporting agencies operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. The FCRA emphasizes the need for accuracy and fairness in how my personal information is handled by Credit Reporting Agencies ( CRAs ).

Furthermore, 15 USC 6801 establishes that financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. The actions of TransUnion in this case indicate a clear mishandling of my personal information, which is alarming and unacceptable. 

I urge the CFPB to hold TransUnion accountable for these violations of the FCRA and to ensure that my rights as a consumer are upheld. I appreciate your attention to this matter and look forward to your prompt response. 

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 2024-11-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Deletion XXXX XXXX XXXX Account/ Violation of Privacy Dear Sir/Madam , I am writing to formally request the immediate deletion of my account with XXXX XXXX Acceptance and to report a violation of my privacy rights by TransUnion. I did not provide oral or written consent for TransUnion to share my personal information with third-party companies, specifically XXXX XXXX  and XXXX IQ. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602 ( a ), it is imperative that consumer reporting agencies operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. The FCRA emphasizes the need for accuracy and fairness in how my personal information is handled by Credit Reporting Agencies ( CRAs ).

Furthermore, 15 USC 6801 establishes that financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. The actions of TransUnion in this case indicate a clear mishandling of my personal information, which is alarming and unacceptable. 

I urge the CFPB to hold TransUnion accountable for these violations of the FCRA and to ensure that my rights as a consumer are upheld. I appreciate your attention to this matter and look forward to your prompt response. 

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 2024-11-03 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: RI

Complaint narrative:
I am contacting you as a victim of identity theft resulting from a recent data breach that compromised my personal information. Due to this incident, several fraudulent accounts were opened in my name without my consent. I am invoking my rights under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to request that these fraudulent accounts be blocked and permanently deleted from my credit report. 
Please find below a list of the fraudulent accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$340.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$830.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of a fraudulent account on my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have entries associated with fraud removed from my credit file. 
The fraudulent account in question is as follows : 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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca., XXXX XX/XX/year> Subject : Request for Debt Verification Account Number : XXXX Amount : {$1200.00} To Whom It May Concern : I am writing to request verification of the above-referenced debt that Midland Credit Management , Inc. claims I owe in the amount of {$1200.00}. I am requesting that you provide sufficient documentation to substantiate the debt and to confirm that Midland has the legal right to collect on this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of any debt Midland Credit Management claims I owe. Therefore, I respectfully request that you provide the following information : 1. Documentation proving that the debt is valid, including an itemized breakdown of the charges, fees, and any other relevant details that constitute the claimed amount. 
2. Documentation showing that Midland Credit Management , Inc. has the legal authority to collect this debt, including any contracts, assignments, or transfer agreements that legally link this debt to your organization. 
3. The name and address of the original creditor, along with any account numbers or references related to the debt. 

Please consider this letter a formal dispute of the debt until I receive sufficient verification. If you can not provide this information, I request that you cease collection activities and remove any references to this debt from my credit report. 

Thank you for your attention to this matter. Please respond in writing to my address above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-03 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.

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 2024-11-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report, as I am a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ), I request that you remove the accounts and inquiries detailed below. 
XXXX Accounts : XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I am absolutely appalled by Mohela 's lack of communication and lack of ability to manage loans. I earned an XXXX student loan repayment XXXX, which requires proof of their payments to Mohela. When the Mohela site moved to the new platform, all of my payment history disappeared and I have been unable to receive the rest of my XXXX XXXX payments because I do not have the documentation to provide the XXXX. I have emailed Mohela repeatedly since XX/XX/XXXX ( at least 5 times ) requesting the payment history, and each time they respond and say they will provide it within 30 days. I have still not received my payment history, there is no payment history in my account, and it is now XXXX - 6 months after my initial request for the document. I am absolutely appalled by their lack of organization. 
Secondly, I received an email on XX/XX/XXXX stating that I had ONE DAY to recertify my income before the deadline to continue my XXXX plan. Their website explicitly says that they would provide 60-90 days notice. This is absolutely beyond unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am writing to formally request the discharge of all student loans held by XXXX  due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. XXXX  misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. Also, XXXX  has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX  has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX  conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX advice and entrusted them to manage my student loans, I believe I am entitled to be fully discharge all related debts. Their misconduct has created an unjust financial situation, and I ask that my loans be fully forgiven. Thank you for considering my request. I hope the CFPB will swiftly and decisively take action to hold XXXX  accountable and provide the relief borrowers like me desperately need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NE

Complaint narrative:
on XX/XX/year> I wrote to XXXX, Lexis Nexis, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A my right to privacy and per 15 U.S. code S 168B2 permissible purposes along with a copy of my updated credit report as of todays XXXX. I still have not received my updated credit bureau report ( XXXX ) and as far as I know it has not been removed off of my credit bureau report ( XXXX ).

Company response to consumer: Closed with explanation