vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a letter from Resurgent Capitol Services. This company stated that received their investigation from XXXX XXXX XXXX XXXX their findings were Verified and Accurate from what I'm taking this to be this debt collector response. I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the alleged debt and money that I do not owe. Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. I don't need to see itemize bills if it doesn't have my signature. Your threats to are invalid and once again you didn't proved me with any proof of how this information is valid please provide your findings of your validation to be verified. I DEMAND FOR VALIDATION PURSUANT 15 USC 1692gb. Your refusing to remove fraud off my credit report after Resurgent Capitol Services has been informed of this aggravated theft. If Resurgent Capitol Services continue to pursue this without proof I will seek legal matters for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Debt Collection by Philip and Cohen Associates LtdXXXX Due to Identity Theft To Whom It May Concern, I am writing to file a formal complaint against Philip and Cohen Associates Ltd. XXXX who has been attempting to collect a debt allegedly owed to XXXXXXXX XXXX XXXX XXXX XXXX I believe this collection attempt is the result of identity theft, and I am a victim in this matter. 

I have never opened or authorized the opening of any XXXX XXXX account with XXXX XXXX XXXXXXXX XXXX nor have I engaged in any financial transactions that would warrant such a debt. The first notice of this supposed debt came from Philip and Cohen Associates Ltd., who insist that I am liable for the outstanding amount. 

Upon receiving their collection notices, I took immediate steps to investigate this issue. My findings strongly indicate that my personal information has been misused without my consent to open this fraudulent account. Despite my efforts to resolve this misunderstanding by communicating the situation to Philip and Cohen Associates Ltd., they continue their attempts to collect. 

Enclosed with this letter, you will find a copy of my FTC Identity Theft Report, which provides further evidence supporting my claim of identity theft. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and to aid in the removal of this fraudulent claim from my financial records. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will offer the necessary guidance and action to rectify this situation. I am available at your convenience to provide further details or documentation as required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-16 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: CA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16 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: CA

Complaint narrative:
The XXXX currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no XXXX XXXX XXXX associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The XXXX  XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within XXXX  days of this letter, legal action will be initiated.

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 2024-05-16 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them.

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 2024-05-16 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: IN

Complaint narrative:
RE : Failure To Remove Unauthorized Hard Inquiry-A Violation of FCRA. 
To whom it may concern, I am expressing my disappointment and concern regarding Equifax 's failure to respond to my previous letters disputing hard inquiries listed on my credit file. As I previously stated on XXXX XXXX, I have sent Equifax several formal letters requesting the removal of hard inquiries. 
XXXX XXXX XXXX. 
XXXX XXXX XX/XX/year>. 
These inquiries were made without my knowledge and without my consent and appeared to the result of identity theft. I have talked to a representative of Equifax, they confirmed they received the police report and the FTC report they requested. However the hard inquiries remain on my credit file which is a violation of the FCRA. Section 605 ( a ) ( 5 ) of the FCRA clearly prohibits credit reporting agencies, such as Equifax from furnishing information that they have reasonable grounds to believe resulted from identity theft. I have requested a detailed documentation for these inquiries. I never received any documents relating to these inquiries from Equifax.This is a direct violation of the provisions of the FCRA law. By failing to provide me with documentation, these inquiries shall be removed promptly. It has been well over 30 days since my initial dispute letter for these inquiries. As required by the FCRA for Equifax to respond. Yet, I have not received any communication from Equifax regarding the status or the removal of these inquiries. The lack of response is unacceptable and Equifax is causing harm to my credit file. I am again demanding that Equifax removed the disputed inquiries from my credit report and accept the police report, FTC report and my State Congress report to remove the disputed inquiries. Failure to do so of this date of this letter will result in legal action against Equifax reporting agency for violating the FCRA laws. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXXXXXX Balance {$3800.00} XXXX XXXX Balance {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: VA

Complaint narrative:
This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX Balance {$3800.00} XXXX XXXX Balance {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-16 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: FL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. I would appreciate your prompt attention to this matter and confirmation of the removal of these fraudulent accounts from my credit history. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible.

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 2024-05-16 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:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, TransUnion, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX in XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-16 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've always made sure that payments on this account are on time, avoiding any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to XXXX5 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 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 2024-05-16 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 — Problem with personal statement of dispute
Company: Contemporary Information Corp
State: AL

Complaint narrative:
XX/XX/2024 Contemporary Information Corp ( CIC ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX To whom serves as legal counsel for CIC, I am writing to inform you of serious violations of the Fair Credit Reporting Act ( FCRA ) and my rights to privacy by your company, Contemporary Information Corp. It has come to my attention that your organization has unlawfully obtained and utilized my personal information without a permissible purpose, subsequently profiting from the resale of said information, and defaming my character in the process. 

Under the FCRA, consumer reporting agencies like Contemporary Information Corp are required to have a permissible purpose for accessing consumer reports, including tenant screening reports. Despite this, it has become apparent that your company accessed my information without proper authorization or valid reason. This constitutes a clear violation of federal law and my fundamental right to privacy. 

Furthermore, your companys actions of reselling my freely available public information for profit are not only unethical but also illegal. Such actions demonstrate a blatant disregard for consumer rights and contribute to the erosion of personal privacy in our society. 

Additionally, I have reason to believe that your company 's actions have led to the defamation of my character. The dissemination of inaccurate or misleading information has the potential to harm my reputation and livelihood, causing undue stress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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 HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA XXXX ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :

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 2024-05-16 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: CA

Complaint narrative:
I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX business days after the date of receipt by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :

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 2024-05-16 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate. 

Account Name : XXXX XXXX XXXX Account Number : 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