vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute unauthorized and outdated inquiries on my TransUnion credit report. TransUnion is currently reporting XXXX hard inquiries from various companies that I did not authorize, including : 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 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 XXXX XXXX XXXX XXXX XXXX  XXXX did not initiate these credit requests, nor did I authorize these entities to conduct a hard inquiry on my credit report. Additionally, certain inquiries are still reporting past the two-year limit, specifically those from XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, which should no longer appear on my report according to standard credit reporting practices. 

These unauthorized and outdated inquiries have had a significant negative impact on my credit score, misrepresenting my credit activity. I have attempted to address these issues directly with TransUnion, but no satisfactory action has been taken. Therefore, I am formally requesting, in line with FCRA Section 605B, that TransUnion promptly remove all unauthorized and outdated inquiries from my report and rectify any associated negative impact on my credit score. I trust that TransUnion will take appropriate action to uphold my rights as a consumer under the FCRA.

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 2024-11-04 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : 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 2024-11-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX {$6300.00}, XXXX XXXX  balance {$2900.00}, XXXX XXXX balance {$410.00}, XXXX  XXXX XXXX  balance {$920.00}, XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$160.00}, XXXX XXXX XXXX  balance {$770.00}, XXXX XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$190.00}, XXXX XXXX balance {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX {$6300.00}, XXXX XXXX  balance {$2900.00}, XXXX XXXX balance {$410.00}, XXXX  XXXX XXXX  balance {$920.00}, XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$160.00}, XXXX XXXX XXXX  balance {$770.00}, XXXX XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$190.00}, XXXX XXXX balance {$250.00}

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 2024-11-04 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: GA

Complaint narrative:
I'm writing to dispute these XXXX unauthorized inquiries on my credit report : XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX To my knowledge, I have not authorized your organization to access my credit history. These inquiries violate the Fair Credit Reporting Act, specifically Section 1681b ( a ) regarding permissible purposes and Section 1681b ( c ) concerning transactions not initiated by the consumer.

If you have any documentation with my signature authorizing these inquiries, please send a copy to the address listed above. I will only accept documents that bear my signature. If you do not possess such documentation, I request the removal of these unauthorized inquiries from my credit report. Additionally, please remove all my personal information from your records and provide confirmation of compliance with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: WA

Complaint narrative:
I am filing this formal complaint against Credit Control , LLC for ignoring my debt cancellation request while continuing their ongoing collection efforts despite my compliance with IRS cancellation procedures. 

On XX/XX/year>, I submitted a formal request to Credit Control , LLC for the cancellation of a debt pursuant to IRS Form 982 and IRS Form 1099-C due to a severe financial hardship I was experiencing. I provided all necessary documentation to validate my hardship and requested Credit Control , LLC process my application in a timely and lawful manner. My financial hardship was due to a service contract provider denying my auto repair claims after my engine was torn down. This financial hardship costed me {$7300.00} and I had to cancel my debt consolidation contract for $ XXXX, which included the accounts Credit Control , LLC purchased. 

Credit Control , LLC completely ignored my request, while continuing to attempt to collect the debt, which I believe is in direct violation of federal regulations regarding debt cancellation. I am concerned about these ongoing collection efforts, as I have made every effort to resolve this debt in good faith and in alignment with IRS guidelines.

Credit Control, LLCs disregard of my cancellation request has led to unnecessary stress and a decrease in my credit score due to false re
porting delinquency and I respectfully request that the CFPB investigate Credit Control, LLCs mishandling of my cancellation request and ensure they comply with IRS and federal debt collection guidelines. I am hopeful that this matter can be resolved promptly so that I may move forward without further disruption to my finances and credit.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/year> LVNV FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist of Unlawful and Harassing Communication Dear Sir/Madam, I am writing to formally demand that LVNV FUNDING LLC immediately cease and desist all forms of communication regarding any alleged debt that I do not acknowledge as valid. 

Despite previous efforts to resolve this matter, your company has continued to contact me in an unwarranted and harassing manner. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq. 

Effective immediately, I demand that all further communication from LVNV FUNDING LLC or its agents to mewhether by phone, email, or mailbe treated as harassment and reported to the relevant legal authorities. I reserve the right to pursue legal action if this request is ignored. 

This letter serves as formal notice of my demand. I expect written confirmation within 10 days that LVNV FUNDING LLC has received and processed my Cease and Desist request, and that no further contact will be made unless through legal representatives. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/2024 PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist of Unlawful and Harassing Communication Dear Sir/Madam, I am writing to formally demand that PORTFOLIO RECOVERY immediately cease and desist all forms of communication regarding any alleged debt that I do not acknowledge as valid. 

Despite previous efforts to resolve this matter, your company has continued to contact me in an unwarranted and harassing manner. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq. 

Effective immediately, I demand that all further communication from PORTFOLIO RECOVERY or its agents to mewhether by phone, email, or mailbe treated as harassment and reported to the relevant legal authorities. I reserve the right to pursue legal action if this request is ignored. 

This letter serves as formal notice of my demand. I expect written confirmation within 10 days that PORTFOLIO RECOVERY has received and processed my Cease and Desist request, and that no further contact will be made unless through legal representatives. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed multiple inaccurate entries on my TransUnion credit report, but TransUnion has failed to resolve these issues or provide verifiable documentation to support the continued reporting of these negative items. Despite several dispute attempts and requests for documentation, TransUnion has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i and 1681s-2 ( b ). 

The following issues remain unresolved : Inaccurate Charge-Off Balances Several accounts are reported with balances that should not be present for charged-off statuses. TransUnion has failed to verify these balances or update the accounts to reflect a {$0.00} balance as required by law. 

Incorrect Late Payment Reporting My report shows inconsistent late payments compared to other credit bureaus, including multiple instances of late payment entries that do not align with my payment history. TransUnion has not provided proof of these late payments despite multiple disputes. 

Multiple Charge-Off Entries For some accounts, TransUnion has reported charge-offs repeatedly for several months, which constitutes multiple entries for a single charge-off event. This practice is misleading and violates FCRA guidelines for accurate reporting. 

Dates and Actions : First Dispute Submitted : XX/XX/XXXX Follow-Up Disputes Submitted : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Most Recent Dispute Submission : XX/XX/XXXX I am also submitting a formal complaint to the CFPB, as TransUnions lack of compliance has caused financial harm and continued frustration. I request that TransUnion : Provide verifiable documentation for each disputed item or immediately delete the items if no documentation can be produced. 
Correct all inaccurate balances and update the accounts to reflect {$0.00} where appropriate. 
Remove all duplicated charge-off entries. 
Requested Resolution : Please ensure that TransUnion adheres to FCRA guidelines by updating my credit report to reflect accurate and verified information only. If TransUnion can not provide proof of these reported items, I request their immediate deletion.

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 2024-11-04 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:
I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : ( first_ name : XXXX ) ( XXXX ) ( last_name : XXXX ) XXXX. PLEASE UPDATE MY ADDRESS TO : ( XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX. MY ONLY SOCIAL SECURITY NUMBER : ( XXXX ) XXXX. MY ONLY AND CORRECT DATE OF BIRTH : ( XX/XX/year> ) I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent ( bank statement/utility bill/ID ) for verification purposes, as required by the FCRA. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report, so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.

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 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I received mail recently from Navy Federal attempting to collect a debt. Unfortunately, the way they communicated with me through the mail while attempting to collect a debt violated my federally protected consumer rights. They violated the Privacy act of 1974, 15 USC 1692b-5, and other laws that protects consumers. I will attach my proof below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: IN

Complaint narrative:
XXXX XXXX XXXX Open XXXX Pursuant to 18USCB 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX  BALANCED {$1400.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXXXXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 explanation
Consumer complaint received 2024-11-04 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: MI

Complaint narrative:
A debt went into collections and was supposed to be dropped form my report after six years. However, two days before it was to be dropped, XXXX XXXX XXXX put it back on and reset the clock. This is also in violation of Michigan State Law. Transunion completed it's investigation and told me the debt was legitimate. 
Transunion File Identification Number XXXX XXXX XXXXXXXX XXXX Reference Number : XXXX I was unaware I would be able to dispute this debt and therefore did not dispute it at the time it was put back 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