vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. 

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. XXXX XXXX XXXX Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXX XXXX  Acct # : XXXX XXXX  Acct # : 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''.

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. XXXX XXXX XXXX Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXXXXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They open and spend a credit card with a XXXX dollars limit

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 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management This company has added debt to my credit report in the amount of {$640.00} to XXXX XXXX XXXX  that I do not owe and never open to begin with. when I called this company they couldn't tell me how much I owed they ask me to tell them. They also ask for social security number and never gave this information to them because I googled them and they have XXXX reviews claiming these people are scammers I hanged the phone up. This company is messing with my credit and needs to be stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2023, I submitted a dispute to your credit bureau regarding erroneous items appearing on my credit report. According to the FCRA, credit bureaus are required to complete their investigation within 30 days of receiving a dispute. Unfortunately, it has been well over 30 days since I initiated the dispute, and I have not received any resolution or updates from your bureau. 

I understand that credit bureaus have a significant number of disputes to investigate, and I appreciate the importance of a thorough review. However, I would like to bring to your attention the statutory obligation to resolve disputes within the designated timeframe. Given that the 30-day period has elapsed, I kindly request that you provide me with an update on the status of my dispute and a firm timeline for its resolution.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

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 2023-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services is mail me a collect on an old debt that date end XX/XX/2010 violate statute of limitations debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, so apparently us bank decided to close my accounts for whatever reasons and they have not refunded me the funds that were left in my accounts. Its been a few weeks now and i really need my money. Can you help expedite the reimbursement of my funds pelase?

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 2023-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
2016 $ XXXX Fell behind on mortgage Loan modification requested Denied

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 

report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. 

I asked them to remove any names and addresses that are not associated with the documents I have attached for reference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference

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 2023-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thaxton Investment Corporation
State: MI

Complaint narrative:
On XX/XX/2023 my daughter texted me that I had civil court and the case # was XXXX ; the number the call came from was XXXX and to call XXXX On XX/XX/2023 a voice mail was left on my phone from ( XXXX? ) from Location Services that clearly stated " you have several civil claims or formal complaints filed against you in XXXX XXXX ( mispronounced ) that they will be contacting my place of employment and that once discharged from their office all of my legal rights would be forfeited. 

On XX/XX/2023 I called because I knew I hadn't been served after calling XXXX ; it was then that I was transferred to a female who then was fishing for information, did not cite the mini Miranda, I had not been served, I had not been contacted, I was given one of three options, dispute, financial hardship or cease and desist. I said financial knowing that a lawsuit couldn't be filed ( i am on state XXXX low income ) I called because I hadn't been served but disclosing this information in a text to a third party caused XXXX and violated my rights ; I have the text message and the voice mail and XXXX  the company only to find all of the complaints against this company to the XXXX  began recently and all of the complaints share the same story ; Regardless of the debt itself ; this intimidation is a separate issue and the original creditor or the company that uses Location Services should be liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

Company response to consumer: Closed with non-monetary relief