vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/XXXX at XXXX call placed to XXXX from a spam email. male representative reported name as, XXXX and could not locate an account using my XXXX digit social security number, first and last name or telephone number. Reported " problem accessing an account '' only able to locate account with a reference specific to resurgent # XXXX representative reported account purchased on XX/XX/XXXX with a last payment of XX/XX/XXXX. 

complaint XXXX from XX/XX/XXXX, representative XXXX provided XXXX and inaccurate information with an attachment of XXXX pages of documents that have never been received, I have attached the documents sent to me dated XX/XX/XXXX which are not the same. She further reported in her attachment letter the letter was sent to XXXX XXXX and the correspondence indicates XXXX XXXX. Reporting the alleged debt was acquired on XX/XX/XXXX as the " servicer '' and the owner as XXXX, for a balance of {$3700.00} on a charge off account, ( to which a reported cancelled debt has been reported without a XXXX from the creditor to the consumer. ) additional in complaint XXXX it was written that identity theft occurred XXXX and is documented with the FTC and all three credit bureaus ( the consumer fraud alert was placed, therefore how was credit extended without consent ) XXXX now stated I requested a Cease and THIS IS INACCURATE and non full disclosure of what was requested in complaint XXXX ( XX/XX/XXXX ) I have now attached documents, images, phone records and correspondence received which DO NOT ALIGN with the false information submitted in XXXX ( resurgent ) response to a complaint with the company she represents. 

Resurgent Capital continues to use deceptive techniques for attempted collection on alleged debt, use misleading presentation, provided false and inaccurate information to a government board with back dated attachments that were never received to the consumer and WERE NOT THE DOCUMENTS RECEIVED DATED XX/XX/XXXX from resurgent. that does not coincide with a recorded phone call with the place of business while continuing to deny violating consumer rights under FDCPA. XXXX XXXX XXXX sec XXXX is the current and valid complaint and /concern at question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Hirshberg Acceptance Corporation
State: MN

Complaint narrative:
This company Modern Finance Corp keeps checkig my credit report without my permission. They are trying to obtain information for the purpose of identity fraud. I don't have any knowledge of this company. My credit file also has a fraud alert that prevent unauthorized access to my credit file. This company is obviously lying saying they have contacted me for permission to access my credit file, but they have not. They have done this multiple times after I have had it removed by the credit bureaus XXXX. They have been doing this for more than 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my 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 2024-11-05 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-05 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: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really XXXX and XXXX  with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Unknown Collection XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I looked at my credit report back on XX/XX/XXXX, and notice some things are in complete and not accurate. And according to the fair credit reporting act whenever a consumer reported agency prepares a customer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information considering the individual about whom the report relates. This account XXXX XXXX # XXXX is not complete and accurate. 
XXXX more thing according to 15 USC 1681 s-2 ( A ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: MS

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX - XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, provide the names and business addresses of each individual with whom you verified the above so that I may  follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
Pursuant to XXXX C.F.R. XXXX, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant XXXX  and XXXX XXXX to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, 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 2024-11-05 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: MA

Complaint narrative:
My credit report shows billing mistakes, with late payments that conflict with my usual record. Please adjust these errors and update my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon inspection of my credit report, I noticed several accounts that seem to have been added without authorization and are inaccurate. I ask for these XXXX entries to be blocked and removed at once.

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 2024-11-06 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: NH

Complaint narrative:
On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. 
FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 
2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Repeated Charge-Off Reporting Dear TransUnion Dispute Department XXXX XXXX writing to demand the immediate deletion of inaccurate and potentially illegal charge-off notations on my credit report. It has come to my attention that XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX is reporting a charge-off for each month, which is both inaccurate and constitutes a direct violation of federal credit reporting laws. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, credit reporting agencies are required to maintain accuracy, fairness, and complete data when providing information about consumers. Reporting a charge-off each month is a deceptive and unjust practice, as it misleadingly multiplies the severity of a single charge-off event. Such repeated reporting inflates the impact on my credit score, which is neither accurate nor lawful according to federal standards. 

Additionally, I want to remind TransUnion of its obligation under XXXX5 U.SXXXX Code XXXX ( a ) ( XXXX ) ( A ) to promptly investigate and correct or delete any information found to be inaccurate or unverifiable. Based on this section, you are legally required to remove this incorrect information or provide concrete evidence proving its validity within XXXX  days of receiving this dispute. 

Failure to remove these inaccurate charge-offs will leave me no choice but to pursue further action with the Consumer Financial Protection Bureau XXXX CFPB ) and potentially file a formal complaint with the Federal Trade Commission XXXX FTC ). I may also seek legal recourse for damages caused by your negligence under FCRA statutes. 

Please send me written confirmation that this inaccurate reporting has been deleted from my file, or provide documentation verifying its validity. I trust that you will handle this matter promptly and avoid any unnecessary escalation. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX -- - Enclosed is a copy of the report to show repeated charge offs being reported

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 2024-11-05 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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:
I have repeatedly asked these credit agencies to stop reporting these accounts due to iXXXX XXXX. XXXX, Equifax, and XXXX. They refuse to do so even after providing my FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello Experian, I am a XXXX XXXX and a mother of two. My identity has been stolen and this is extremely unfair to me. I have provided a detailed letter and a report showing proof of identity theft. Please remove these inquires and accounts from my 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 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This Debt has open balance I do not believed the debt that is reporting is not valid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: MS

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: PA

Complaint narrative:
On XXXX of XXXX  I want to urgent care. I received a bill from XXXX XXXX in the amount of XXXX because I didnt meet my deductible. I filed an appeal with my insurance because of the bill and the no surprise bill act. The company XXXX XXXX took test for things I didnt came there for, now the company sent my personal information to a collection company called Receivables Management Systems who is now charging me daily interest and added a fee of XXXX to my bill and told me if I pay XXXX XXXX I still have to pay the fees and the daily interest. 

Federal law considers the sale of medical debt an ECA and requires nonprofit hospitals to follow certain notice and waiting requirements before initiating the sale. Section 501 ( r ) ( 6 ) requires a hospital organization to make reasonable efforts to determine whether an individual is eligible for assistance under the hospital organizations financial assistance policy ( FAP ) before engaging in extraordinary collection actions ( ECAs ) against that individual. XXXX XXXX did not do the above before placing my account in collection with a company who is trying to get more money for bill tht was only {$170.00}.

Company response to consumer: Closed with explanation