vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to express my concerns regarding the security of my personal information following the Equifax data breach and also inaccurate reporting of charge-offs on my credit report and to request your assistance in ensuring compliance with federal laws, specifically 15 U.S.C. 1635 and 15 U.S.C. 1692g. These accuracies have negatively impacted my credit profile and require immediate correction.

Under the Fair Credit Reporting Act, entities handling consumer information are required to implement reasonable procedures to protect personal data. The following provisions are pertinent : 15 U.S.C. 1681 ( b ) : Purpose of the FCRA This section mandates that consumer reporting agencies use reasonable procedures to ensure the confidentiality, accuracy, and security of consumer information. 

15 U.S.C. 1681e ( b ) : Accuracy of Information Consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. The breach has led to inaccuracies in my credit report, including [ describe inaccuracies, if applicable ].

Legal Grounds for Complaint Right of Rescission 15 U.S.C. 1635 Under the Truth in Lending Act, I have exercised my right of rescission for the relevant account ( s ). This legal right voids any obligations related to the account and invalidates any associated charges, including the charge-off status. Despite this, the creditor continues to report the account inaccurately. 

Debt Validation 15 U.S.C. 1692g Pursuant to the Fair Debt Collection Practices Act, I have requested validation of the alleged debt ( s ) from the creditor ( s ) and/or debt collector ( s ). To date, no sufficient validation has been provided, and the continued reporting of these charge-offs violates federal law.

15 U.S.C. 1681w : Disposal of Records This section requires proper disposal of consumer information to prevent unauthorized access. The breach suggests potential negligence in adhering to these requirements. 

Please remove the following items from my consumer report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to express my concerns regarding the security of my personal information following the XXXX data breach and also inaccurate reporting of charge-offs on my credit report and to request your assistance in ensuring compliance with federal laws, specifically 15 U.S.C. 1635 and 15 U.S.C. 1692g. These accuracies have negatively impacted my credit profile and require immediate correction.

Under the Fair Credit Reporting Act, entities handling consumer information are required to implement reasonable procedures to protect personal data. The following provisions are pertinent : 15 U.S.C. 1681 ( b ) : Purpose of the FCRA This section mandates that consumer reporting agencies use reasonable procedures to ensure the confidentiality, accuracy, and security of consumer information. 

15 U.S.C. 1681e ( b ) : Accuracy of Information Consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. The breach has led to inaccuracies in my credit report, including [ describe inaccuracies, if applicable ].

Legal Grounds for Complaint Right of Rescission 15 U.S.C. 1635 Under the Truth in Lending Act, I have exercised my right of rescission for the relevant account ( s ). This legal right voids any obligations related to the account and invalidates any associated charges, including the charge-off status. Despite this, the creditor continues to report the account inaccurately. 

Debt Validation 15 U.S.C. 1692g Pursuant to the Fair Debt Collection Practices Act, I have requested validation of the alleged debt ( s ) from the creditor ( s ) and/or debt collector ( s ). To date, no sufficient validation has been provided, and the continued reporting of these charge-offs violates federal law.

15 U.S.C. 1681w : Disposal of Records This section requires proper disposal of consumer information to prevent unauthorized access. The breach suggests potential negligence in adhering to these requirements.

Please remove the following items from my consumer report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio recovery associates have broken multiple laws, and not just with me. I have told them multiple times not to call me and they still do. Illegal. I have asked them to provide legally binding proof of debt owed, they told be they dont do that, and one time they said theyd send me an email and just sent random information like my address, email and phone number and said I need to pay. Illegal. I e told them that I dont owe this XXXX and I dont know what its about, and they responded with either paying them or having bad credit because they were going to report it to the credit bureaus, and they did. Knowing that you dont have a legal leg to stand on, and destroying my credit on purpose as leverage to get money out of me, in exchange for fair and accurate credit reporting, is a form of financial bullying and is illegal. I asked them to do an investigation 2 different times. The first time the did, and never sent me the results, instead they kept calling and asking if I would pay be credit or debt card. When I brought it up, they pretended that they sent the information notifying me of the results of the investigation. They didnt, and they responded thats weird and then kept trying to get me to pay. The statute of limitations on credit card debt in the state of VA has passed for this account regardless, and I argued that, multiple times as well, they cut me off and told them that if I just pay them, then itll all go away and I wont have to worry about bad credit. At one point in time they threatened to update the account so that the statute of limitations started over again, and tried to convince me to pay them. Ive gone to the major credit agencies to argue with them, multiple times, but they only use AI to do their disputes. They also break the law knowingly because of how much money that portfolio recovery associates pays them, and the system is biased, unfair, and illegal. Portfolio recovery associates have broken almost every law between 15 USC 1681 a-eb AND 15 USC 1681 i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear RESURGENT/LVNV FUNDING, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

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 2025-01-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

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 2025-01-12 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX Dear XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : Demand for Immediate Removal of Child Support Obligations and Negative Credit Accounts To Whom It May Concern, I am the living man writing to express my vehement objection to the continued imposition of child support obligations as well as the presence of closed or negative accounts on my credit report, which I firmly believe are unjust and detrimental to my financial well-being. The negative impact these obligations and accounts have on my credit profile Account number [ XXXX ] is unacceptable, and I demand immediate action to rectify this situation. 

1. Child Support Obligations : The current child support obligations against my name are not only burdensome but are also unfounded based on the circumstances surrounding my case. I have consistently fulfilled my responsibilities, and any discrepancies should be reviewed and rectified. The continuation of these obligations is not only unjust but also detrimental to my financial stability and overall quality of life. 

2. Closed and Negative Accounts : I have recently discovered that several closed and negative accounts remain on my credit report, severely impacting my credit score. These accounts were either settled, paid off, or are inaccurately reported. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The failure to remove these inaccuracies constitutes a violation of my rights under the FCRA. 

XXXX. Demand for Removal : I hereby demand the immediate removal of all child support obligations and any closed or negative accounts that are inaccurately reported on my credit profile, Experian, XXXX, and XXXX. I expect a prompt response to this request, as my financial future hangs in the balance due to the unfair treatment I have received. 

4. Legal Action : If my demands are not met within 30 days, I am prepared to take legal action against all parties involved, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages resulting from the negligence and unfair practices that have led to this situation. 

I expect your immediate attention to this matter and look forward to your prompt acknowledgment of this letter. Please take this opportunity to rectify these issues before further action becomes necessary. 

Sincerely, By : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-01-12 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.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX 15 U.S.C, 1681section 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 an 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 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been checking my credit reports since XXXX and for some reason the reports have not been updated and my scores have not been updated. When I login to Experian, it says, " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I am attaching my identifying documents to verify my identity. How can I make Sure this information is correct?

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 2025-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On several dates in 2024, I submitted a formal dispute to Experian, requesting that they investigate and correct the inaccurate information. which are listed : XXXX XXXX XXXX  However, after receiving their response I have found that the credit bureau did not properly investigate the issue or address the inaccuracies I raised. Specifically : " The credit bureau failed to contact the creditor to verify the accuracy of the reported late payment, '' or " The documentation I provided was not reviewed, and the incorrect entry remains on my credit report. '' " As a result of this inaccurate reporting, my credit score has been adversely affected, and I have been denied credit applications. '' The credit bureaus failure to conduct a proper investigation and correct the erroneous information is a direct violation of the FCRA, which mandates that credit reporting agencies ensure the accuracy and fairness of the information they report.

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 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief