vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XX/XX/year> I sent a certified dispute letter to LVNV Funding requesting validation of two alleged collection accounts. The letter was delivered on XX/XX/year> with a tracking # XXXX ; As of today I have not received any response from LVNV Funding. LVNV Funding continues to report negative, inaccurate information that they have not proven to be legally mine nor have they responded to the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CO

Complaint narrative:
I am receiving derogatory marks on my credit report from Kikoff. The company is reporting a balance owed to them when I have never used a credit card with them. I feel very mislead as I reached out to the company for credit repair thinking that it was a $ XXXX program to monitor credit and offer tips on how to build it. After finding out that their services were not what I was looking for, I decided to unenroll from the program. Now they are unfairly reporting a balance due to credit bureaus and indicating that I am past due on these payments. This is unethical and incredibly inaccurate information. I need this corrected immediately as I have never used a credit card with them nor have I accrued a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted : XXXX, XXXX, and Experian, - XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXXXXXX attached : copy of ID, Dispute letters, & proof of address

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 2024-08-07 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX has violated my rights.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I looked at my Transunion credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed not to 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 2024-08-07 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: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unable to obtain my transunion credit report. I have requested it in writing with them and have not received it either. Transunion has enabled my ability to access my credit report through them online at transunion.com since filing a cfpb complaint on 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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the website " XXXX XXXX '', as they the most trusted website for XXXX XXXX XXXX to find short term housing. I saw a listing for an apartment on the XXXX XXXX for {$1500.00} per month, plus a {$500.00} deposit prior to moving in, which is a very common practice. I inquired about the properties availability and received an email from " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX stating the property is still available. I was provided application paperwork and was told I was approved on XX/XX/XXXX. There were subsequent emails back and forth with this what would turn out to be completely fraudulent company until XX/XX/XXXX when I sent my {$2000.00} via Zelle for first months rent and deposit. Being out of state and needing to secure a place to live before I arrived, I have no choice but to pay via electronic funds transfer. I don't see why using Zelle would or should make any difference in whether or not I receive a reimbursed from the bank? Regardless of how I would've paid, this was a scam and complete fraud through and though. The form of payment is irrelevant. I was defrauded out of {$2000.00} and because of XXXX XXXX  refusing to refund me this money, I still do not have a place to live and am more thank likely going to have to XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: MI

Complaint narrative:
They locked my account with {$XXXX} in it and wont unlock it, it been over a month now they asked me for documentation I sent it in but they keep asking me for the same documents. Plus I had a credit builder account with the bank and they have my account locked but still taking money out of my account the bank is called money lion. 
They wont even close the account or send me a check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Sunday XX/XX/XXXX, XXXX unauthorized XXXX charges were charged to my checking account with my card. The XXXX charges were : XX/XX/XXXX XXXX  *INSURANC XXXX OH XX/XX/XXXX Card {$170.00} XXXX  *INSURANC XXXX OH XX/XX/XXXX Card {$270.00} I have my XXXX  on auto payments from my bank account, not my card. They are consistent on dates, they look like this : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX WEB ID : XXXX ACH debit {$150.00} I called XXXX and they stated that they do not see the XX/XX/XXXX charges under my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: MD

Complaint narrative:
Formal Complaint Against XXXX for Inaccurate Late Payment Reporting Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally report and dispute the inaccurate reporting of late payments by XXXX a XXXX  XXXX service provider. Despite canceling my service and paying off the remaining balance, they continue to report a late payment on my credit report, which is detrimental to my credit standing. The account details are as follows : Account Number : XXXX Violations and Consumer Law References : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 : This mandates furnishers of information to credit reporting agencies to report accurate information. XXXX continuous reporting of late payments on a settled account is a direct violation of this section. The supposed missed payment occurred as a required step in the service cancelation process, but as a way of retaliation, they have been reporting it as a missed payment on my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) : By reporting a debt inaccurately, XXXX is engaging in misleading practices that may constitute a violation under the FDCPA, which protects consumers from false and deceptive collection practices.

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 2024-08-07 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: WI

Complaint narrative:
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. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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.

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 2024-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
This was with mariner finance and XXXX, TX XXXX XXXX. I had a set up payment plans that my attorney XXXX XXXX arranged to pay a total of {$1200.00} and I was to pay this by XXXX, sorry by XX/XX/XXXX of XXXX  I made the last payment on XX/XX/XXXX of XXXX. They charged an additional {$800.00} and they know about the agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Accscient, LLC
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
I'm writing to communicate my XXXX with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I benevolently demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recover command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking your assistance with an incorrect account appearing on my credit report. This issue is harming my reputation, and I need your support to resolve it. The bureau must update and remove the inaccurate reporting as it has been causing undue harm to my credit standing.

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 2024-08-08 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: MD

Complaint narrative:
I'm writing to convey my uneasiness concerning the challenged records on my credit report. On different events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Despite my undertakings, I as of now really can't get any objective or helpful movement. These mixed up records are genuinely hurting my credit archive and obstructing my ability to continue with a conventional life. The unfavorable results of these blunders have caused huge hardships for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I tolerantly request that you lead a thorough assessment concerning the noteworthy of all of these challenged records. It is fundamental that the indispensable advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recover control over my money related thriving. I really urge you to offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue speedily would be immensely significant. Thankful to you early on for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
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. 

Account Name : XXXX  : Account Number : XXXX : Balance : {$7700.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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.

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