vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: MO

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Debt and Alleged FDCPA Violations Account Number : Dear Transworld Systems I am writing to dispute the debt referenced above, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I request that you immediately cease all collection activities and provide validation of the alleged debt, as required by law.

In addition, I have identified several potential violations of the FDCPA in your collection efforts, including but not limited to the following : Adding Unauthorized Fees or Charges You appear to have added fees or charges to the alleged debt that were not authorized by any agreement or permitted by law.

Attempting to Collect Debts Not Owed or Already Discharged You have attempted to collect a debt that I do not owe or that has been previously discharged. Please provide proof that this debt is valid and legally enforceable. 

Failure to Validate the Debt You failed to provide a written notice of the debt within five days of your initial contact, as required by law. This notice must include the amount of the debt, the name of the original creditor, and information about my right to dispute the debt.

Despite my dispute of this debt and request for verification, you have continued collection activities without providing the necessary validation.

To comply with the FDCPA, I demand the following : Validation of the Debt : Provide documentation that substantiates the debt, including the name of the original creditor, an itemized account of the charges, and proof that you are authorized to collect it. 
Cease and Desist : Until you have validated the debt, cease all collection efforts, including communication with me. 
If these violations are not remedied and if you fail to validate this debt, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and consider legal action for damages. 

Please respond in writing and include the requested validation documents within 30 days of receiving this letter. Send your response to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
On XX/XX/year> I send certified letter to Continental Financial, requesting Validation and Purchase Agreement of alleged debt a owe them and that they are Reporting in to my Credit Report. They mail me copies of XXXX XXXX  statements but NO copy of the Purchase Agreement.

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 2024-11-22 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: TN

Complaint narrative:
On XX/XX/year> I mailed Transunion a letter saying that my online information showing on their website was incorrect. My name was showing XXXX XXXX XXXX XXXX XXXX as well as someone else 's date of birth, and current address. I explained that most of the information shown on the credit report was NOT mine. I tried to go online and submit a dispute, but there were so many things to dispute, that the system would not allow me to finish. Now when I go online, it tells me " must call to dispute items. '' When Transunion mailed me an updated credit report after receiving my letter, they now have my social security number incorrect. In addition to correcting my social security number, I would like to have the XXXX XXXX information on my report removed, because they do not belong to me.

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 2024-11-22 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines XXXX The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC 6050P- The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law. 

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as income and documented through a 1099-C.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.

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 2024-11-22 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: OR

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to dispute 2 collections account reported by Portfolio Recovery on my XXXX credit report. These accounts have been reviewed and deleted by XXXX due to inaccurate reporting and lack of validation. Despite the deletion by XXXX, XXXX continues to report these accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the information appears to be inaccurate or unverifiable. The continued reporting of these accounts creates inconsistencies between the credit bureaus, unfairly affecting my credit profile. I have attached documentation supporting my claim, including Proof from my XXXX credit report showing the account 's deletions confirming the accounts were removed. I request that the CFPB investigate this matter promptly and ensure that XXXX removes these accounts from my credit report, reflecting accurate and consistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-22 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 recently viewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these account accounts, theyre hurting my ability to obtain credit.

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 2024-11-22 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: GA

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Subject : Response to Your XX/XX/year>, Letter and Continued Dispute of Reporting To Whom It May Concern, Thank you for your response dated XX/XX/year>, regarding my CFPB complaint and the reinvestigation of the disputed accounts. While I acknowledge your efforts to address my concerns, your response fails to resolve the issue of frivolous and inaccurate information being reported on my consumer record. 
In your response, you indicated that the reinvestigation process has been initiated or completed for accounts associated with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX. However, I must emphasize : XXXX. Account Inaccuracies : XXXXXXXX XXXX has confirmed that the disputed accounts were closed and purged and that they no longer report to XXXX. Despite this, these accounts continue to appear in your records. This demonstrates either a lapse in communication between EWS and reporting institutions or a disregard for your obligations under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Incomplete Removal Process : Your acknowledgment that EWS can not remove records without reinvestigation is understood. However, the fact that XXXX XXXX XXXX and XXXX XXXX have completed their reinvestigations and asserted accuracy conflicts with documentation in my possession demonstrating errors in account status and history. 
XXXX. Failure to Uphold Accuracy Standards : The FCRA obligates EWS to ensure the accuracy, fairness, and privacy of consumer information. Persisting with incorrect or outdated information undermines these standards and has caused me significant financial and emotional harm. 
Given the unresolved nature of this dispute, I am taking the following actions : Request for Rebuttal Filing : I will submit a detailed rebuttal statement for inclusion in my consumer file, highlighting why I disagree with the reinvestigation findings. 
Submission of Supporting Documentation : Additional evidence demonstrating the inaccuracies in the disputed accounts will be submitted for review. 
Preparation for Legal Action : If these records are not corrected or removed promptly, I will pursue legal action for damages caused by EWSs negligence in reporting and reinvestigation. 
The ongoing inclusion of inaccurate information in my consumer report is a direct violation of my rights under the FCRA, and I will seek compensation for the financial and reputational harm incurred. I also intend to escalate this issue further with the Consumer Financial Protection Bureau and other regulatory bodies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: HI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am filing this complaint against WAKEFIELD & ASSOCIATES and their Agents XXXX ( Client Success Representative ) and XXXX XXXX ( Collection Specialist ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Health Insurance Portability and Accountability Act ( HIPAA ), as well as provisions under the HITECH Act.

The debt collector has failed to provide the required documentation to validate the debt in question. Specifically, I have requested the following information, which has not been provided : Validation of Debt : Proof that I am the correct party being asked to pay the debt.

Details of the Alleged Debt : Information about the medical service ( s ), including the date of service and the name of the patient.

Proof of Contractual Obligation : Documentation proving my legal responsibility to pay this debt.

Authority to Collect : Copies of any agreements with the creditor granting the debt collector authority to collect the alleged debt, or proof of acquisition by purchase or assignment.

HIPAA Compliance : Documentation that supports the disclosure of medical records under HIPAA.

Security Provisions Compliance : Documentation demonstrating compliance with the breach of security provisions of Subtitle D of the ARRA and provisions related to health information security ( HITECH Act ).

Additionally, I have requested that the debt collector cease and desist any further collection activities, including reporting or verifying the debt on my credit reports. I have specified a ten-day period for compliance with these requests.

Despite these requests, the debt collector has failed to provide the necessary documentation or cease collection activities, which is in direct violation of the FDCPA, FCRA, and HIPAA. As a result of these violations, I have suffered potential harm to my credit, privacy, and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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