vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX RESURGENT RECEIVABLE CARE OF CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX Subject : Request for Debt Validation Dear RESURGENT RECEIVABLE I am writing to request validation of the debt referenced in your recent communication dated [ insert date of the communication ]. This request is made pursuant to my rights under the Fair Debt Collection Practices Act, 15 USC 1692, which entitles me to request written verification of any alleged debt. Please provide the following information regarding the debt : 1. The amount of the debt. 2. The name of the creditor to whom the debt is currently owed. 3. A detailed explanation of how the debt was incurred. 4. Documentation that verifies your right to collect this debt, including any agreements or contracts. 5. A copy of the judgment ( if applicable ). Until I receive the requested validation, I dispute this debt and request that you cease all collection activities. Please note that you are required by law to provide this information, and failure to do so may result in the cessation of all collection efforts. Please respond to this request at your earliest convenience. You may send the validation to my address listed above. Thank you for your attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AL

Complaint narrative:
I noticed unauthorized inquiries on my credit report and fraudulent accts that I do not recognize. I believe someone has my personal information and is posing as me to obtain credit In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries XXXX XXXX XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX  acct # XXXX Account name : XXXX XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Was promised credit repair services that wasnt rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Contacted multiple times and only was told they were working on it.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-04 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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 explanation
Consumer complaint received 2025-01-04 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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 has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of my ID, The FTC Complaint, a copy of my NPD Report showing my information exposed in a national data breach and a Validation of Debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
In referencing accounts on my credit profiles with XXXX, Trans Union and XXXX that either where not mine or l did not recognize l demanded that they be removed on both XX/XX/XXXX and XX/XX/XXXX based upon current FCRA Laws. To which ALL 3 respondents remain unresponsive. It should be noted that due to a recent credit reporting breach by ALL 3 Credit Bureaus my information was exposed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
In referencing accounts on my credit profiles with XXXX, XXXX XXXX and Equifax that either where not mine or l did not recognize l demanded that they be removed on both XX/XX/XXXX and XX/XX/XXXX based upon current FCRA Laws. To which ALL 3 respondents remain unresponsive. It should be noted that due to a recent credit reporting breach by ALL 3 Credit Bureaus my information was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Creditor is denying me for prior accounts I wasnt able to maintain as a young adult. As time change & people grow we start to make more money & become more responsible. To deny my an account due to inconsistency in the past isnt fair. If I couldnt make the payments before, that dont mean I cant make them now. I make more than enough & my score is high enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
XXXX has XXXXeported charges for equipment that was returned once I no longer need there no contract wifi services. A few months after returning equipment I noticed the debt on my report. After multiple unsuccessful attempts to rectify the situation over the phone I went into a local XXXX store after 2 hours the service member was able to find in the notes on my account that the equipment was returned, no account balances was noted. I asked for a print out of his notes and he contacted customer service and his peers and stated unfortunately he can not give me a copy. I then spoke with the customer service rep as well and he stated he can fill form out and have the error removed. Instead of debt being removed it was as charged as a write off ( as if I just paid the debt off ) but still remained on my credit. And continues to reappear be on my credit decreasing my score. This has need going on for about over 6 months now ( XXXX XXXX  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX XXXX  RE : Formal Complaint Against Midland Credit Management , Inc . 

To Whom It May Concern, I am filing this formal complaint against Midland Credit Management , Inc. ( MCM ) for their repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The following items have been erroneously reported on my credit report by MCM, despite their failure to comply with federal laws governing debt collection and credit reporting : {$1300.00} {$1100.00} {$580.00} {$500.00} Violations of the FDCPA and FCRA Failure to Validate the Debt Under the FDCPA, 15 U.S.C. 1692g, debt collectors are required to provide proper validation of debts upon request. Midland Credit Management has failed to provide sufficient documentation verifying these accounts, yet they continue to report them to credit bureaus, violating my consumer rights.

Reporting Inaccurate Information The FCRA, 15 U.S.C. 1681e ( b ), mandates that all information furnished to credit bureaus must be accurate and complete. Given the lack of validated documentation, MCM has violated this provision by reporting unverified accounts, which undermines the integrity of my credit report.

Failure to Provide Notice of Dispute Under FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are required to notify credit bureaus when a debt is disputed. MCM has failed to do so, further damaging my creditworthiness and violating federal law.

Supporting Case Law Several legal precedents demonstrate MCMs history of noncompliance with consumer protection laws, including : Midland Funding, LLC
v. Johnson, 137 S. Ct. 1407 ( 2017 ) : Highlighted the importance of proper documentation in debt collection practices.

Brown v. Midland Credit Management , Inc. : Reinforced that inaccurate or unverifiable information can not be reported on a consumers credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Established that misleading or incomplete information on debt collection is actionable under the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : Clarified the responsibilities of debt collectors and emphasized accurate reporting requirements. 

Parker v. Midland Credit Management , Inc., XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : Found that Midland engaged in unlawful collection practices, leading to a judgment against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Highlighted violations of consumer protection laws through the filing of time-barred debts in court. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Affirmed that debt collectors are subject to FDCPA requirements when attempting to collect a debt. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently obtained my credit report XX/XX/year>, and realized that my ID was stolen due to charges that I did not make. I saw an address that I have nerve lived nor been in that state. ( XXXX XXXX XXXX XXXX NJ XXXX ). Also a date of birth is not mine. 
Accounts like XXXX, XXXX Accounts, Etc. I would like to have my credit report information blocked due to fraudulent activity. They have resulted in negative reports. I do not recognize these accounts & charges and they have not been made by me. I have attached a copy of the affidavit that I filed with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently obtained my credit report XX/XX/year>, and realized that my ID was stolen due to charges that I did not make. I saw an address that I have nerve lived nor been in that state. ( XXXX XXXX XXXX XXXX NJ XXXX ). Also a date of birth is not mine. 
Accounts like XXXX, Chase Accounts, Etc. I would like to have my credit report information blocked due to fraudulent activity. They have resulted in negative reports. I do not recognize these accounts & charges and they have not been made by me. I have attached a copy of the affidavit that I filed with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am disputing a debt on my credit report that does not belong to me. This debt is the result of identity theft, and I have no association with the account. I am requesting its immediate removal from my credit report under the Fair Credit Reporting Act. 

Please investigate this matter and take appropriate action.

Company response to consumer: Closed with explanation