vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Portfolio Recovery Associates , LLC [ Company Address ] [ City, State, ZIP Code ] RE : Cease and Desist Demand Concerning Alleged Debt CollectionAccount # : XXXX To Whom It May Concern : This letter serves as a formal demand for you to cease and desist all communication and collection activity regarding the alleged debt you claim I owe. This demand is issued pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

FDCPA Violation and Legal Precedent Cease all forms of communication with me immediately.

Cease all collection activities immediately.

In Daugherty v. Convergent Outsourcing, 836 F.3d 507 ( 5th Cir. 2016 ), the court held that credit reporting constitutes a form of communication under the FDCPA. As such, reporting a debt to credit bureaus after a consumer has requested cessation of communication may violate 1692c ( c ) and other provisions of the FDCPA. Any such actions by your company will be treated as non-compliance with federal law.

Accuracy of Alleged Debt If you intend to claim this debt is valid, provide the following : Complete account history, including all charges and payments.

Evidence that your company has the legal right to collect this debt.

A copy of the original signed agreement creating this debt.

Potential Legal Action for Failure to Honor Cease and Desist Failure to comply with this demand will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue a lawsuit for violations of the FDCPA, including but not limited to any damages caused by your non-compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX ALLY FINANCIAL located at XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX reported an unauthorized and unrecognized inquiry to my consumer report, I did not give them permission to do so, I have filed a fraud report with the FTC for this fraudulent inquiry this must immediately be removed from my consumer report per FCRA law to be within compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: SC

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
I recently reviewed my credit report and noticed a medical collection from Credit Management Company, which has negatively impacted my credit score. However, I did not receive any formal notification via mail regarding this debt. On XX/XX/year>, I sent a Debt Validation letter ( see attached ) requesting more information about this debt. On XX/XX/year>, I received a response ( see attached ) with a printout from XXXX XXXX XXXX, XXXX regarding the alleged debt. However, the letter I received refers to a " debt verification '' rather than the validation I requested. 

In my original letter, I clearly stated : " ... a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for 'verification ' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. '' I have no affiliation with either Credit Management Company or XXXX XXXX XXXX, XXXX. Please be aware that I requested " validation, '' not verification, of the debt reported to XXXX, XXXX, and XXXX by the original creditor and collection agency. The response I received is a clear violation of my rights under XXXX. 

Collection Management and XXXX XXXX XXXX, XXXX did not provide me with a XXXX release form that would permit them to access or disclose my medical information. By sharing such information without my consent, they have violated my XXXX rights. I am now prepared to take legal action against the original creditor and collection agency if this item is not deleted from my credit report within the legally required timeframe. I will pursue all available legal remedies, including filing a lawsuit against the credit bureau responsible for reporting this violation. 

Please take this matter seriously, as I have documented the situation thoroughly. I expect a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Here are the FCRA violations observed in the newly uploaded Equifax credit report for XXXX XXXX XXXX : XXXX. Inaccurate Future Date Reported Issue : The Date Reported is listed as XX/XX/year>. Reporting a future date is inaccurate and misleading. 
FCRA Violation : 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy in the information they report. 
Why It Matters : Future dates can not exist on a report, as they do not reflect real activity. This inaccuracy negatively impacts your credit standing. 

XXXX. Missing Date of Last Activity Issue : The Date of Last Activity is blank. This date is crucial for determining the XXXX reporting period for derogatory accounts. 
FCRA Violation : 605 ( a ) ( 4 ) Negative accounts like charge-offs can only remain on a credit report for 7 years from the date of first delinquency. 
Why It Matters : Without this date, it is impossible to determine if the account is being reported beyond the legal timeframe. 

XXXX. Charge-Off Status with Active Balance Issue : The account is marked as CHARGE-OFF, yet a balance of {$1300.00} is still being reported. 
Charge-offs indicate that the debt is no longer being actively collected by the original creditor. If the account has been sold or paid off, the balance must be updated. 
FCRA Violation : 623 ( a ) ( 2 ) Furnishers of credit information are required to update or correct inaccurate or incomplete data. 
Why It Matters : Reporting both a charge-off and an active balance is inaccurate and could mislead lenders. 

XXXX. Prolonged Reinvestigation in Progress Issue : The account states Reinvestigation in Progress without a clear resolution. If this dispute process has exceeded 30 days, it violates your FCRA rights. 
FCRA Violation : 611 ( a ) ( 1 ) Credit bureaus must complete disputes within XXXX days ( 45 days if new information is provided during the dispute ). 
Why It Matters : An unresolved dispute prevents you from obtaining an accurate and complete credit report. 

XXXX. Failure to Provide Complete Creditor Information Issue : The Original Creditor Name field is blank. This information is required for the consumer to validate the account. 
FCRA Violation : 609 ( a ) ( 1 ) Consumers have the right to know the source and original creditor details for all accounts reported. 
Why It Matters : Without knowing the original creditor, you can not validate the legitimacy of the debt. 

Summary of Violations XXXX. Future reporting date ( XX/XX/year> ) violates 607 ( b ). 
XXXX. Missing Date of Last Activity violates 605 ( a ) ( 4 ). 
XXXX. Reporting a charge-off with an active balance violates 623 ( a ) ( 2 ). 
XXXX. Unresolved reinvestigation beyond XXXX days violates 611 ( a ) ( XXXX ). 
XXXX. Missing creditor details violates 609 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-18 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: OH

Complaint narrative:
the following companies Experian, XXXX, and, XXXX are currently reporting or furnishing information that's be claim as identity theft and since they are aware of this by their first and second investigation THEY ARE AWARE BECAUSE THEY WROTE ME SAYING THAT THE INQUIRES HAVE BEEN VERIFIED I ASK FOR THE METHOD OF VERIFICATION I GOT NO RESPONSE. the violation are but not limited to 15 u.s.code 1681 permissible purpose which states I have to give written or verbal consent which I DID NOT!!! 15 u.s.code 1681s-2 which states no furnishing company shall knowingly reporting inaccurate information and 15 u.s.code 1681c-2 which states know furnishing company shall not report or furnish information that the consumer deems as identity theft and until a resolution has be had they shall stop reporting it immediately .. Experian XXXX and XXXX have knowledge that the inquiries listed below are not mine XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>. the inquiries ive listed below each credit agency are in violation of 1681 b permissionble purpose 15 usc 1681c-2, 1681s-2 XXXX : this inquiries are unauthorize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian : these are unauthorize inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these i

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 2024-12-18 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-18 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-12-18 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-12-18 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding, LLC RE : Cease and Desist Demand Concerning Alleged Debt CollectionAccount # : XXXX XXXX To Whom It May Concern : This letter serves as a formal demand for you to cease and desist all communication and collection activity regarding the alleged debt you claim I owe. This demand is issued pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

FDCPA Violation and Legal Precedent Cease all forms of communication with me immediately. 

Cease all collection activities immediately. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that credit reporting constitutes a form of communication under the FDCPA. As such, reporting a debt to credit bureaus after a consumer has requested cessation of communication may violate 1692c ( c ) and other provisions of the FDCPA. Any such actions by your company will be treated as non-compliance with federal law.

Accuracy of Alleged Debt If you intend to claim this debt is valid, provide the following : Complete account history, including all charges and payments.

Evidence that your company has the legal right to collect this debt.

A copy of the original signed agreement creating this debt. 

Potential Legal Action for Failure to Honor Cease and Desist Failure to comply with this demand will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue a lawsuit for violations of the FDCPA, including but not limited to any damages caused by your non-compliance. 

Sincerely, XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief