vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute in XXXX and in XXXX for inaccurate and fraudulent inquiries on my credit report. 
15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA

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 2023-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing this letter to the credit bureau disputing the two late payments on me credit. Just to clarify, the first late payment that XXXX reported on XX/XX/XXXX was not valid as you had already traded in the vehicle on XX/XX/XXXX, and the Menards payment was made on the day the payment was due. I would like to recite the relevant sections of the Fair Credit Reporting Act ( FCRA ) related to this issue? 

In accordance with the FCRA, specifically XXXX  account # XXXX, the reporting of inaccurate or incomplete information by credit bureaus is prohibited. Section 602 of the FCRA outlines the procedures for handling consumer disputes and requires the credit bureau to conduct a reasonable investigation into any disputed information. Section 604 ( a ) ( 2 ) of the FCRA provides that if a dispute is filed, the credit bureau must promptly notify the furnisher of the disputed information and provide all relevant information about the dispute. 

Finally, 15 USC 1666b requires credit card issuers to promptly credit payments made to the account on or before the due date. Given that the Menards payment was made on the day the payment was due, it should be considered timely and not late. 

The FCRA, or Fair Credit Reporting Act, is a federal law that regulates the collection, dissemination, and use of consumer credit information. It provides consumers with certain rights regarding their personal credit information, including the right to obtain and dispute credit reports. 

In situations like the one I described, where there may be a dispute regarding the timeliness of a payment, the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies in your credit report. This helps ensure that your credit report accurately reflects your credit history and that you are not unfairly penalized for any mistakes or discrepancies. 

Additionally, the FCRA imposes certain obligations on financial institutions and creditors to provide accurate and timely information to credit reporting agencies. This means that if a creditor reports inaccurate or misleading information about your credit history, they could be in violation of the FCRA and subject to penalties. 

Overall, the FCRA is an important law that helps protect consumers ' rights and ensures the accuracy and fairness of credit reporting. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: WA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MO

Complaint narrative:
I learned that this debt was sent to collections not only was it sent to collections but it supposedly is no longer in business. I never received a notice of collection or the option to dispute. I found the information of this debt collector on my report it was reported on XXXX. I wrote an letter for validation/verification on XXXX. I received a response on XXXX ; but it lacked information. It didnt include information I requested such as : 1.proof I am obligated to pay resurgent c/o LVNV Funding LLC.

2. Agreement between credit and debt collector.

3. Proof the debt collector is authorized to collect in my state ( Missouri ) 4.Proof Resurgent c/o LVNV 5.was the debt assigned or purchased? 
6. Amount paid if purchased.

7. Commission for debt collector of collection is successful.

8.If insurance claims has been made by any creditor regarding the account?

9.Have any judgments been claimed by any creditor regarding this account? 

I just want to be sure I am paying should be paying this debt collector. They have proved I should be or ownership of this account. That they have n obligation to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
During the end of XXXX into XX/XX/XXXX, I had moved from XXXX XXXX XXXX XXXX to XXXX XXXX as I transitioned from one residential area to another. I had closed my account and sent what hardware belong to XXXX XXXX XXXX and still have the paperwork from XXXX saying it was sent. And I paid in full all debts concerning that account. After moving into the other residence, I choose cox, as my new internet provider. After one week or so upon receiving the equipment to utilize service, problems started immediately, the problems we faced were that we were unable to connect to internet services. I have equipment to measure the rate at which computers, type, devices are able to drawl from our agreed upon download rate that was XXXX mbs, I was recording XXXX and full on drop off of service. We had the technician come out twice and paid for him time. XXXX wanted to charge me for the service I WAS NOT getting. I called cox and spoke with a person that waved all the fees, and closed my account and told me as long as I send back the equipment that was theirs we could walk out separate ways amicably. I have the paperwork stating as such. 
Now I have a XXXX XXXX XXXX Ding my credit 105 pts and theyre asking for {$360.00}.

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 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX*Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$650.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX CreditXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Selenes abusive behavior has continued, but their methods of abusing their customers continue to metastasize. In our latest monthly mortgage statement ( XX/XX/23 ), Selene included {$950.00} in fees and charges. Here is the breakdown of charges ( see also attached document ) : XXXX XXXXXXXX XXXX  : {$31.00} XXXX costs : {$310.00} Publication : {$71.00} Postage Charges : {$590.00} XXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX  : {$31.00} XXXXXXXX XXXX XXXX XXXX {$20.00} There is no further explanation for the fees/charges ( what are XXXX costs? ). I see no reasoning for these charges ; many of them seem excessive or ridiculous ( {$590.00} in postage charges! ). These charges are in addition to what Selene skimmed from our reinstatement payment in XXXX ( we have not received an explanation for what charges/fees were collected beyond the reinstatement quote in spite of submitting a qualified written request ). 

I would like the immediate removal of these undue charges on my account. 

I am completely unsurprised and somewhat amused at the continued machinations that Selene is pursuing to collect monies from their clients.

I doubt that Selenes attempts to collect extravagant fees are legal ; but they are definitely worth criminal scrutiny. I would like to again recommend that the CFPB refer Selene to the FBI for criminal investigation. Selene has continued to abuse mortgage laws, and their license to practice as a mortgage servicer should be revoked immediately and irrevocably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
I went for XXXX XXXXXXXX which was paid off. In the beginning when I was going for XXXX, they gave me a break down of the items that I would be billed for. I asked several times to make sure that that was the final cost and that there wouldn't be any extra charges incurred. I saved up the amount that I needed to pay for the XXXX and even paid it ahead of time. I have proof of payment and receipts from the same company that keeps on sending me invoices. I was never told that I owed {$1500.00}, only the {$1700.00} that I have paid already. They are saying that the balance I owe from the {$1500.00} is {$41.00}. I have never seen this cost before, only the {$1700.00} that I have already paid. There is also another bill from the same company that claims that I owe {$390.00} for the same XXXX. I have already closed all my accounts with this company and paid everything in full before the XXXX. I tried to contact them but no one answers the phone or returns my messages. I even sent letters to the company with proof of the payments that I've made. I have the first invoice given to me by the nurse during the XXXX XXXX  which outlines the breakdown of costs and the total that would be due which I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief