vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: NC

Complaint narrative:
I have been closely monitoring my information on my credit report and noticed a couple accounts with XXXX XXXX XXXX. 
XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$690.00} THESE ACCOUNTS I DO NOT RECONGNIZE AND I WOULD LIKE THEM REMOVED IMMEDIATELY. XXXX XXXX XXXX has only provided itemized statements of these accounts. I have asked multiple times for a contract agreement from their company with my wet signature being that my identity have been stolen multiple times over the years. I receive random fraudulent accounts to my credit report often. XXXX have confirmed that my identity have been breached which includes my phone number, home address, drivers license, and my birthdate. Itemized statements with my information at this point means nothing. Also my identity have been also breached with the major 2024 national public data as well which includes XXXX XXXX people.

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 2024-12-14 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: AZ

Complaint narrative:
i am a victim of XXXX XXXX and someone has used my personal information to sucure credit cards and auto loans using my personal information. and also there are many fraudulant address on file that do not belong to me and XXXX is violating my rights by reporting these fraudulant address when i keep caaling them asking them to please remove the address but is refusing to do so! .there are also fruadulant accounts opened in my name due to XXXX XXXX. 
fraudulant address : XXXX ) XXXX XXXX XXXX XXXX XXXX  az XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX tx XXXX XXXX ) XXXX XXXX XXXX XXXX az XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX tx XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX az 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Account XXXX. XXXX Refference ID : XXXX On XX/XX/year>, I sent a dispute letter to Resurgent Capital Services on behalf of LVNV Funding LLC , via certified mail with receipt number XXXX XXXX XXXX XXXX XXXX and Return Receipt ( green card ) XXXX XXXX XXXX XXXX XXXX XXXX. The Return Receipt was received and signed by XXXX XXXX on XX/XX/year>. 

On XX/XX/year>, I received a response letter from Resurgent Capital Services that included an Account Summary Report, which they claimed provided verification of the debt. However, this document was insufficient as it did not include any original signed agreement, proof of assignment, or chain of title to establish that LVNV Funding LLC had the legal right to collect the alleged debt. 

On XX/XX/year>, I sent a follow-up letter via certified mail with receipt number XXXX XXXX XXXX XXXX XXXX XXXX, requesting proper validation of the debt. Shortly after, I received another letter from Resurgent Capital Services, dated XX/XX/year>, stating they had initiated a review of my inquiry. 

Despite the debt being under dispute, it continued to be reported on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( b ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). These actions have caused harm to my credit profile and may represent deceptive practices. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure Resurgent Capital Services and LVNV Funding LLC comply with applicable federal laws, cease reporting the debt during the dispute process, and provide proper validation of the debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: DE

Complaint narrative:
Equifax reporting my credit without written consent as well as my social number being locked. 
XXXX account that's paid and closed still reporting my credit. 
XXXX reporting my credit without written consent. 
XXXX reporting my credit without written consent. 

All these are violations under consumer law. 

All these companies operate under the Security Exchange Act In which I've only received inquiries, not credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
Dear XXXX, Re : Pre-Arbitration Dispute Resolution Request I am writing to formally initiate the pre-arbitration dispute resolution process as outlined in the arbitration agreement between myself and Experian. I have encountered unresolved issues with my credit report that I have attempted to address through the dispute process but have not received a satisfactory resolution. 

Despite submitting multiple disputes and providing the necessary documentation to correct inaccuracies on my credit file, I have yet to see any meaningful progress in resolving these matters. Specifically, I am dissatisfied with the ongoing failure to address the discrepancies and the repeated letters stating that my credit profile can not be located, which I believe is unacceptable and does not comply with applicable laws. 

Given that these issues have remained unresolved and in accordance with the arbitration agreement, I am now taking the necessary steps to attempt an amicable resolution before proceeding with arbitration. This letter serves as my formal request to initiate the pre-arbitration process in good faith, and I seek to resolve this matter promptly. 

Please confirm receipt of this letter and provide further instructions on the next steps in this pre-arbitration process. If additional documentation or information is needed to proceed, I am happy to provide it. 

I look forward to your prompt response and resolution of these issues. 

Sincerely, 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 2024-12-14 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: MS

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Lennar Financial Services, LLC
State: MD

Complaint narrative:
PREDATORY Lending by Lennar Corporation @ XXXX XXXX. 
Lennar Corporation Failed to Disclose Front Foot Fees and Water Quality Fees. XXXX XXXX  XXXX investments of Lennar corporation failed to highlight that I would have to pay {$750.00} annually for foot front fees. When I received the first invoice I sent an email to Lennar and inquired about the expense. I was then notified that I signed the ratified contract which had this agreement buried with other forms. Lennar should have been more transparent of this financial responsibility to the residents during the purchasing process.

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have a Concora. Credit card, called milestone card, anywhere i tried to use it, the card gets declined, the only purchase I made was at a gas station nothing else was approved, I cant use it at XXXX, or XXXX, or XXXX XXXX, XXXX, however when I got the card, it had XXXX on it, they gave me a XXXX dollar charge that dropped my credit to XXXX dollar.I have to wait 24 hours before I can use it again, and no US support I only get people who are in foreign countries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am reporting Capital One employees for using age discrimination to deny me an increase of credit. Age discrimination refers to the unfair treatment of an individual based on their age, particularly in employment contexts. The Age Discrimination in Employment Act ( ADEA ) of 1967 is the primary federal law that prohibits this type of discrimination against individuals who are 40 years of age or older. The ADEA protects these individuals from being treated less favorably in various aspects of employment, including hiring, firing, promotions, job assignments, compensation, and benefits.

The Equal Credit Opportunity Act ( ECOA ) explicitly prohibits discrimination in credit transactions based on various factors, one of which is age. This means that lenders can not refuse to extend credit or impose different terms on applicants solely because of their age, provided they have the capacity to contract. The ECOA aims to ensure that all individuals, regardless of age, have equal access to credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the validity of a medical collection account listed on my credit report. This letter is submitted in accordance with the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Fair Credit Reporting Act ( 15 USC 1681 ).

Account Information : Creditor Name : [ Name of Medical Provider ] Account Number : [ Account Number ] Date of Service : [ Date of Service ] Amount : $ [ Amount ] I believe that this collection account should be removed from my credit report for the following reasons : 1. Lack of Verification : Pursuant to 15 USC 1692g, I have the right to request verification of this debt. I have not received any written verification of the debt from your agency or the original creditor, XXXX XXXX XXXX  XXXX. It is my legal right to seek verification of the debt 's validity. 

2. Inaccurate Reporting : The reported debt amount is inaccurate. I have documentation indicating that the amount in question has been disputed with the original medical provider, and an agreement has been reached for a different amount. This discrepancy calls into question the accuracy of the debt as reported by your agency.

3. Statute of Limitations : Please note that the statute of limitations for the collection of this debt may have expired. I request that you provide documentation establishing the date of the last activity on this account to determine whether it falls outside the statute of limitations for collections.

4. Failure to Provide Proper Notice : As required by 15 USC 1692g, your agency is obligated to provide me with a written notice, including the amount of the debt, the name of the creditor, and my rights under the law, within five days of your initial communication. I have not received such notice from your agency.

I kindly request that you investigate and verify the debt in question promptly or provide evidence of the debt 's validity within 30 days of receiving this letter, as required by 15 USC 1692g. Failure to do so may result in a violation of federal law and may necessitate legal action.

Additionally, I would like to bring to your attention the case of Clark v. XXXX XXXX XXXX XXXX XXXX, Case No. [ Case Number ], where the court ruled in favor of the consumer due to the lack of proper debt verification by a collection agency. This case sets a precedent for the importance of verifying the accuracy and validity of debts in compliance with the law. 

I expect your agency to adhere to the legal requirements outlined in this letter and promptly resolve this dispute. Please provide me with a written response, including any supporting documentation, to confirm the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
payment was supposed to come out on XX/XX/XXXX didn't get notified until XX/XX/XXXX called them and was told i have a late fee and a month behind due to the auto payment failing to go through was not notified talked to the manager over the phone and was told that they don't have to do anything about it they do not have to notify me or nothing. my credit card was never shipped to me was returned i called them about sending another one never did and i don't get any statements or mail from them they do have the correct address on file, but i never got anything from them. this is from XXXXXXXX XXXX XXXX credit card with bread financial/ comenity bank. they also refused to give me any of my account information even when i told them that i could verify my own information. i can not get any information on my account to even get statements or any information on my account at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NV

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 demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX : Ray Klein, Inc. dba Professional Credit Service Address : XXXX XXXX XXXX, XXXX, OR XXXX Phone : XXXX Description of the Issue : I am submitting this complaint regarding the unlawful and predatory debt collection practices of Ray Klein , Inc. ( dba Professional Credit Service ), which have violated federal and state consumer protection laws. On XX/XX/2024, Ray Klein , Inc. garnished {$6800.00} from my checking account without proper notice or adherence to Oregon law. This garnishment is tied to a medical debt that is beyond the statute of limitations for collection. 

Key Issues : 1. Improper Garnishment of Funds : The entire balance of {$6800.00} was taken from my account, leaving me with no funds for basic living expenses. This violates Oregon law, which requires at least {$2500.00} to remain in the account.

2. Failure to Provide Notice : I received no advance notice of the garnishment, which left me unable to contest or prepare for the financial impact.

3. Expired Debt : The medical debt in question is from XXXX, and is well past the statute of limitations for collection under Oregon law XXXX 
4. Improper Service : I was never properly served notice of the lawsuit tied to this garnishment. The documents were delivered to an address I no longer resided at, invalidating the service.

5. Harassment : Ray Klein, Inc. made attempts to garnish wages at a job I did not even work at, further highlighting the companys predatory and harassing behavior. They also pressured me for employment information during communications, which I felt was intimidating.

The companys actions are a clear violation of my consumer rights under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws. 

Impact of the Issue : The garnishment has caused severe financial hardship. I was left with no funds to cover essential bills, rent, or basic living expenses for XX/XX/2024. 
I have experienced significant emotional distress, including anxiety and embarrassment, as I had to take time off work to address this issue. 
My family has faced undue strain, particularly after Ray Klein, Inc. improperly attempted to garnish my husbands wages, even though the debt is solely in my name. 

Resolution Sought : I request the Consumer Financial Protection Bureau to : 1. Investigate Ray Klein , Inc. for violations of the FDCPA and other consumer protection laws.

2. Require the company to reimburse the improperly garnished funds immediately.

3. Ensure Ray Klein , Inc. ceases any further collection efforts, including garnishments or wage attempts, on this expired debt.

4. Hold the company accountable for harassment and violations of consumer protections.

Thank you for your attention to this matter. I appreciate your help in holding Ray Klein, Inc. accountable and ensuring that consumers are protected from such predatory practices.

Company response to consumer: Closed with explanation