vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX I'm lettin you know I dispute the debt above under whatever the law is Fair Debt Collection Practices Act. This aint no request for more proof or docs just want you to know I dont agree with this debt. For future contact best time to hit me up is by text on my cell or email on my cell or computer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other times or ways like live calls or voicemails aint cool.XXXX XXXX XXXX  and any other accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
XX/XX/year> Amount : XXXX Action Steps Taken : 1. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the repossession of my vehicle.

I asked for clarification on the reason for the repossession and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the loan or redeeming the vehicle, including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding vehicle repossession under state laws to ensure proper procedures were followed by the lender.

5. Followed Up : I followed up with the lender on [ insert date ] to confirm receipt of my request and to seek updates regarding the next steps.

You can adjust this to reflect the exact steps youve taken or plan to take. Let me know if youd like to refine it further!

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 monetary relief
Consumer complaint received 2025-01-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include : a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX  ; a credit card at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX  ; a credit card at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX ; an auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX ; and a credit card at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX. Additional fraudulent accounts include credit cards opened at XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ), XX/XX/XXXX ( account number XXXX ), and XX/XX/XXXX ( account number XXXX ) ; a credit card at XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ) ; and an insurance account at XXXX  on XX/XX/XXXX ( account number XXXX  ). These fraudulent accounts have resulted in numerous hard inquiries and collections appearing on my credit report. I demand that all aforementioned fraudulent items be removed from my credit reports and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-06 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: LA

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-01-06 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am writing to file a formal complaint against Comenity Bank regarding their reporting of false information on my credit report, harassment through repeated communications, and their failure to validate an alleged debt.

False Reporting on My Credit Report Comenity Bank is reporting several accounts on my credit report that I do not recognize and believe to be inaccurate. Despite my several requests for validation, they have failed to provide any of the following : Proof of the alleged debt. 
A copy of the original agreement or contract. 
Documentation showing an assignment or transfer of the debt, if applicable. 

Harassment and Excessive Communication Comenity Bank has also been contacting me multiple times a day, from several different numbers in an attempt to collect this alleged debt. These excessive communications are harassing and distressing, and they violate FDCPA rules against abusive and harassing practices. 

This reporting is causing significant harm to my credit and financial reputation as well as stopping me from purchasing a home for myself and my children. Their failure to validate the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This is not a request for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you maXXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
At XXXX on XX/XX/XXXX I sent this email to XXXX XXXX. Please Cancel Any XXXX  Permanently for account number XXXX I spoke with a representative at Netcredit in XX/XX/XXXX to not use Autopay from my XXXX account. My Bank was notified last week not to receive or pay netcredit from this account At XXXX I sent this 2nd email to XXXX XXXX  XXXX at XXXX XXXX. I paid off XXXX Loans on XXXX occasions of XXXX Someone other than myself made a horrible mistake as I just realized I've been a Victim of Theft. 
My XXXX checking account information was stolen and utilized for cash advances I did not authorize. 
Do you realize how intrusive identity theft is? 
My account was compromised. 
I am a XXXX XXXX XXXX  XXXX  whom has been victimized unwittingly with my information being used at XXXX XXXX XXXX Nevada XXXX. 
I'm just being made aware of this and have contacted my bank at XXXX to Stop any and all transactions from any XXXX  XXXX and Netcredit. 
I have initiated Stop Payments with XXXX and I will be forwarding All this information to the Attorney General of the State of Wisconsin and asking them to Investigate my disputes of major errors as to cash advances totaling {$6000.00} and investigate XXXX XXXX. 
Correspond via email or US Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCORDING TO THE FCRA SECTION 605B II IS ILEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION .THANK YOU PLEASE REMOVE THIS Inquiries FROM MY CREDIT REPORT NOW. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Soft inquiries ACCORDING TO THE FCRA SECTION 605B II IS ILEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION .THANK YOU PLEASE REMOVE THIS Inquiries FROM MY CREDIT REPORT NOW. 

DELET ALL THE INQUIRES IN MY CREDIT REPORT 15 USC 1681b ( 2 ) 15 USC 1681 ( q ) 15 USC 1681 c -2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
My social is incorrect with transition I have not applied for any cars, homes, etc I have been involved in over XXXX data breaches. I have also received settlements from XXXX banks due to them and still awaiting compensation for others

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-06 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: TX

Complaint narrative:
While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Please remove unauthorized inquiries. 
Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit le you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certied Funds to : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX 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 2025-01-06 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: LA

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XX/XX/scrub>/2023 XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX  XX/XX/year>2023 XXXX XXXX XXXX XX/XX/scrub>/2023 XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX  XX/XX/year>2023 XXXX  XXXX XX/XX/year>2023 XXXX XXXX XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX  XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX  XXXX XX/XX/year>2023 XXXX XXXX XXXX/XXXX/2023

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 2025-01-06 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: NV

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX  I'm lettin you know I dispute the debt above under whatever the law is Fair Debt Collection Practices Act. This aint no request for more proof or docs just want you to know I dont agree with this debt. For future contact best time to hit me up is by text on my cell or email on my cell or computer Monday to Friday between XXXX XXXX XXXX XXXX XXXX Any other times or ways like live calls or voicemails aint cool.XXXX XXXX XXXX and any other accounts.

Company response to consumer: Closed with non-monetary relief