vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Closed-Paid off account still showing active on 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-17 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: NJ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstr
ates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Gemini is closing all XXXX account by the end of the calendar year. I am a XXXX and have been using Gemini to buy and sell XXXX since XXXX. I tried to transfer my XXXX  out of Gemini on XXXX  XX/XX/XXXX and was told that there was a security hold on my account. I reached out to customer service and was asked to submit a picture containing an ID, date, and generated confirmation number. I did this all on XX/XX/XXXX. I received confirmation from Gemini that the message had been received and that " Once we have an update, we'll be sure to get back to you promptly. '' It has been a week now with no further contact from Gemini. I have emailed them repeatedly with no response. 

There is significant amount of XXXX in this account and after reading feedback from others in similar situations I am now very concerned that the issue may not be resolved before the end of the calendar year and the account is closed. Many are reporting that it took months before the issue was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally inform the Bureau of my recent experience with LVNV FUNDING LLC/C/O RESURGENT CAPITAL SERVICES Debt Collectors concerning an alleged debt that they have purchased. I believe that their actions have violated my consumer rights and relevant laws governing debt collection practices. 

XXXX XXXX XXXX Attempt to Validate Debt On XX/XX/year>, I reached out to LNV Debt Collectors to request validation of an alleged debt that they claim I owe. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which stipulates that a debt collector must provide clear validation of the debt upon request. 

# XXXX XXXX Violation of Consumer Rights Despite my request for validation, LNV Debt Collectors did not contact me directly to provide the necessary documentation or information verifying the debt. Instead, they reported this alleged debt to the credit bureaus, resulting in a negative impact on my credit report. This action constitutes a violation of my rights as a consumer under the FDCPA, which prohibits debt collectors from misrepresenting the nature of a debt and requires them to cease collection efforts until proper validation is provided. 

XXXX XXXX XXXX  Lack of Written Permission from the Original Creditor Furthermore, I would like to point out that LNV Debt Collectors did not have my written consent to obtain information from the original creditor and report it to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), reporting negative information to credit bureaus without the consumer 's consent can constitute a violation of consumer rights. The original creditor must provide appropriate documentation to establish their right to assign the debt to a third party, which includes obtaining my consent. 

XXXX XXXX XXXX  Relevant Laws The following laws govern my complaint : - Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from engaging in abusive, deceptive, or unfair practices in the collection of debts. 
- Fair Credit Reporting Act ( FCRA ) : Regulates the collection, dissemination, and use of consumer information, including credit information, and requires that consumer reporting agencies maintain accurate information. 

XXXX XXXX XXXX Request for Action I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against LNV Debt Collectors for their failure to comply with federal laws governing debt collection practices. Additionally, I seek assistance in correcting my credit report to remove any negative entries resulting from this alleged debt that has not been properly validated. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX  XXXX XXXX {$460.00} XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX  XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.

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 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: VA

Complaint narrative:
I sent money transfer to family back in XXXX through Send Wave on XX/XX/year>. I found out few days later that the money went into wrong recipient account. I immediately contacted Send Wave and requested to cancel the transfer. It was discovered that the patient who received the funds had taking a portion of it, but the rest was still in his account. My family in XXXX contacted the mobile money company called, XXXX and they have since put a hold on the person 's account. But, in order for them to reverse the rest of the money back to me they need a request from Send wave. I have contacted Send wave multiple times for almost 2 months now, but their agents can't help me or transfer me to speak to anybody who can. Some of their agents are rude and will lie to me so they can get off the phone. They keep promising me someone will contact me within XXXX hours, but they never do. All they tell me that they have contacted their local partner in XXXX to request XXXX to reverse the funds, but XXXX has been telling us over and over that they have not received such requests. 

This has bee going on for about 2 months now, and all the calls I have made to Send wave, along with XXXX contacts in XXXX have failed to help me get my money back. They don't respond to my emails either. 

So I decided to contact you to help solve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
My former apartment XXXX XXXX sent us to collections ( Innovative Recovery INC ) on a insanely high move out charge, We had a severe cockroach infestation and XXXX mold growing through the ceiling from a poor roof repair, which leaked every time it rained. We sent in numerous maintance request month after month. After 4 months of dealing with these awful living conditions we left and they charged XXXX {$XXXX} for a rundown godawful apartment, I contacted the apartment to work out a deal and offered to pay the fee 's for breaking the lease, which I was then threatened with a lawsuit if I didn't pay the entire bill immediately. I have XXXX small children who were suffering chronic XXXX infections from the living conditions. When I contacted the debt collector and disputed the debt on XXXX they immediately reported me to all XXXX bureaus and denied my claim and still have not provided me with one scrap of documentation, which I believe is my right under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
We have requested multiple times from the apartment ( XXXX XXXX apartments, XXXX XXXX XXXX  ) and the debt collector ( XXXX XXXX XXXX ) to be given the whole file, we had a cockroach and XXXX mold infestation that caused chronic respiratory issues with my XXXX small children, after repeated attempts to have maintenance fix the issues we left the apartment for the health and safety of our children. We contacted the office and offered to work out a deal but they hit us with a {$7800.00} bill ( more than 6 months rent ) and threatened legal action against us if we did not pay the full amount immediately. we contacted them again several weeks later again and offered to take responsibility for the broken lease charges if they would work with us on the insane bill. they refused and shortly there after a bill collector. We disputed the account on transunion and shortly there after were reported to all XXXX bureaus ( retaliatory actions ). We specifically asked the debt collector for the credit file and the investigation file and received nothing. We asked the property XXXX for our complete files showing the maintenance request we submitted and the work orders and inspections of completed work and never received them because they don't exist. They never addressed serious health hazard 's and we were told by maintenance that they had requested a roof replacement but could only patch the roof and not replace it because management would not justify the expense. It leaked every time it rained and XXXX mold was growing through the ceiling, which they just painted over and never applied correct mold remediation techniques to safely contain the health hazard. which is why we left.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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