vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/year> I engaged the chat function on TransUnion.com website, after successfully logging in. The reason for wanting to engage with someone for help on TransUnion was their company was not allowing me to access my Credit File to check it for accuracy. I was connected to a chat agent named XXXX. XXXX informed me that while I have XXXX open Disputes that are active, I can not access my Credit Report, or even see any status on my open Disputes. 

I believe this is a violation of FCRA and/or CFPB. If there was any suspected fraud occurring or even if there was not, and I was monitoring for any reason, such a home purchase or even applying for a credit card, everyone should be able to access their report. This is my information. TransUnion only uses it to make money by selling my information.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt and Cease of Communication Dear Midland Credit Management, I am writing to formally request validation of the debt you claim I owe of {$450.00}, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g. I have made attempts to negotiate this debt ; however, those efforts have not been successful.

Before proceeding with any negotiation, I require that you provide validation of this debt. Which I have already requested and made attempts to achieve such information yet to receive it.With that being said, I ask that this includes, but is not limited to, the following : 1. The amount of the debt. 
2. The name of the original creditor.

3. Evidence that you are authorized to collect this debt.

4. Copies of any relevant documentation, such as a judgment, if applicable.

If you are unable to provide the required validation, I request the immediate deletion of this debt from your records.

Additionally, under 15 U.S.C. 1692c, I hereby request that all communication regarding this matter cease while I await your response. The current level of communication has become distressing, and I believe it to be abusive.Ending off, I strongly believe this request is warranted due to the fact that you obtained my information without my consent, in violation of my privacy rights. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, consumers have the right to have their personal information handled with care and to be informed about how their information is obtained and used. I did not provide authorization for you to collect or use my personal information in relation to this account. 
As such, I request that you take immediate action to remove any collection account associated with my name from your records. Furthermore, I ask that you confirm in writing that this account has been deleted and that you will no longer report any information related to this account to credit reporting agencies. 

I appreciate your prompt attention to this matter and look forward to you response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : 1st Digital/SynovusXXXX  Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agency Name ] TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 605B Dispute of Fraudulent Information Dear Representative I am writing to dispute inaccurate information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). and the information listed below is a result of fraudulent activity and should be removed from my credit report immediately.

1. Creditors Name : XXXX XXXX. Account Number : XXXX according to FCRA section 605B its is illegal to report information on the consumer report without permission from the consumer. Can you please remove this negative information. 

Please investigate this matter and remove the fraudulent information from my credit report. I would appreciate a written confirmation of your receipt of this dispute and the actions taken to resolve it. 
This account was removed from other credit agencies please removed this account Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX XXXX XXXXXXXX Account Number : XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-29 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX XXXX XXXXXXXX Account Number : XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
Notice to Agent is Notice to Principle and Notice to Principle is Notice to Agent, I am writing to express my profound dissatisfaction and formally dispute the mishandling of my account closure and the subsequent, unacceptable communications regarding my account. My name is XXXX XXXX, and I have been unjustly receiving monthly statements for an account that was supposedly closed. This situation is not only frustrating but also a blatant violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), particularly in light of the recent data breach affecting multiple financial institutions. 
Violation of Due Process and Inadequate Notification I was assured that Alliant Credit Union would follow up with a call to clarify my account closure and discuss resolutions. This assurance was empty ; no such communication occurred. Instead, I continue to receive statements, with the latest dated XX/XX/year>. This neglect in communication is not just unprofessional but a direct violation of procedural fairness mandated by federal consumer laws. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, financial institutions must maintain accurate and timely information about customer accounts. Your failure to cease sending statements after closing my account, coupled with inadequate communication, constitutes a clear violation. This erroneous reporting has caused unnecessary confusion and potential harm to my credit profile and financial standing. 
Violation of the Gramm-Leach-Bliley Act ( GLBA ) and Consumer Data Protection In light of the recent data breach involving Alliant Credit Union, it is alarming that I continue to receive communications for a closed account. This breach has compromised sensitive information, demanding immediate corrective action. Under the GLBA, you are obligated to ensure the confidentiality and security of customer information. Your mishandling of my account information, especially amid this data breach, underscores severe negligence in data protection protocols. 
Demand for Immediate Corrective Action I demand that my account be reopened immediately and all erroneous records related to its closure be corrected without delay. Additionally, I require a comprehensive investigation into why I did not receive the promised follow-up call and why statements continue despite the closure. 
Failure to resolve this matter promptly will compel me to escalate this issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action based on the violations mentioned above. 
I expect a response within 14 days of receiving this letter, as mandated by federal regulations. Your immediate attention to this matter is non-negotiable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to formally dispute the accuracy of a charge-off listed on my credit report, as I believe it is incorrect and must be corrected or removed in accordance with Section 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account number XXXX Date of Charge-Off XX/XX/year> charge-off is inaccurate 15 U.S. Code 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain information in consumer reports, including accounts that have been charged off or placed in collections I have included copies of documents that support my claim Please conduct an investigation into this matter and correct the charge-off entry accordingly. This account have been removed from other agencies its in-possible for this account two be verified Thank you for your time and attention to this matter. I look forward to your prompt response. 
This account was removed from my XXXX credit report due to violations of FCRA requirements. 

Sincerely, 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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did you verify this account and what information do you have to send me proof of proper investigation? If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

Account- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt - XXXX Dear XXXX, I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full.

Th

e Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone.

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded.

Thank you for your immediate attention to this matter. 
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 2024-09-29 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: Dakota Financial, LLC
State: OH

Complaint narrative:
I told the company that I never cave authorization to put anything on my credit report along with Ive never did business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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:
In XXXX XXXX, I received collection notices from XXXX XXXX for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is {$330.00} USD. I immediately contacted XXXX XXXX to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.

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 2024-09-29 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:
In XX/XX/year>, I received collection notices from XXXX XXXX for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is {$330.00} USD. I immediately contacted XXXX XXXX to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
In XX/XX/year>, I received collection notices from XXXX XXXX for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is XXXX XXXX. I immediately contacted XXXX XXXX to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.

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