vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received debt verification letter XX/XX/year>, and also in XX/XX/year>. XXXX is originally from XXXX, debt is past statute of limitations and still reporting on Credit reporting agency reports. Both companies are violating FDCPA. Debt has yet to be validated by XXXX XXXX as per consumer request x XXXX, and XXXX XXXX is still reporting to XXXX reporting agency XXXX as of XX/XX/year> when statute of limitations has run out. 

Consumer reserves right to file legal action against both companies per FDCPA. Both companies have failed to remove/validate debt as requested by consumer. XXXX is requesting all named debt to be removed from all XXXX credit reporting agency report ( XXXX, XXXX, XXXX ) and to cease and desist from further collection, credit reportingconsumer reserves right to legal action for XXXX  to continue to report false unvalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have requested evidence of the original contract between RESURGENT/ LVNV FUNDING LLC and the original creditor on multiple occasions. However, they have failed to provide this documentation as well as to prove the claimed amount. I request detailed entities of all purchases, dates, and payments of the alleged debt account. Not just a statement, How did it get to be the claimed amount? They have not provided any accounting, full disclosure account ledger. There is no original contract in existence with the signatures of theoriginalcreditor, myself, and RESURGENTLVNVFUNDINGLLC. No promissory Note. Despite all requests of documentation validation. RESURGENT/LVNV FUNDING LLC continues to pursue this alleged debt without providing the required documentations. This has caused me undue stress and confusion, as I believe I am being harassed for a debt that is not my responsibility. Please Investigate this matter As per UCC guidelines, a valid claim requires proof of the original contract. Without this documentation, their attempts to collect on this alleged debt are baseless and constitute a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
Experian Report # XXXX XX/XX/XXXX XXXX XXXX  shows on a hard Inquiries in which says Unspecified of the said purpose of the credit transaction in which XX/XX/XXXX has cause harm to my credit by Experian XXXX fraud Inquiries that I did not apply for. 

Experian needs to provide proof of the said Transaction who and reason showing UNSPECIFIED showing in the inquiries. 

Experian nothing but Fraud activity on Hard Inquiries that has been placed by Experian as there are other issues with items placed.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to once again address a long-standing issue with an incorrect account that continues to appear on my credit report. Despite my repeated efforts to have this matter resolved, Equifax has refused to delete the account in question. As a consumer, I am fully aware that you have a responsibility to ensure accurate and fair reporting across all credit bureaus. This particular account, which is not mine, remains the sole negative entry on my credit report, while the other two major bureaus reflect no such account. This situation is causing significant financial harm, stress, and frustration. I have repeatedly informed Equifax that this account does not belong to me, yet no corrective action has been taken. When I requested validation of the debt, the only response I received was a series of account statements. Statements do not constitute proper debt validation, as validation and verification are distinct legal requirements under consumer protection laws. I am attaching all relevant documentation, including evidence showing that XXXX XXXX has already submitted that the account has been deleted. Despite this, the account continues to appear on my Equifax report, which is both perplexing and unjust. I urge Equifax to take immediate action to remove this account from my credit report. If this matter is not resolved promptly, I will be left with no choice but to pursue further remedies through external channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I payed a full amount on my concora credit card and had a pay off letter and the account was closed so I thought they wouldnt charge me no more couple months later I received a email saying I own XXXX $ out of no where and called and they said thats were late fees and what I owe them but I told them I payed it off to XXXX but they still wan na charge me instead of solving the problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
According to the FDIC Ive never received my insurance money for my account also was denied business credit was denied for too much hard inquiries which thats a violation to consumers rights! Ive never gave TD bank consent to close my account this really injured my business completely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
Experian Membership account number XXXX Also have not been no member since XX/XX/year> as stated by Experian membership. 

I have only sign up since last year I have tried to cancel Experian and it keeps popping up on my phone all day I do not want Experian membership services it is nothing more than a scam

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 2024-10-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

" SEE ATTACHED FILES '' Thank you for your assistance.

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 2024-10-13 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: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MAY to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-10-13 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I checked my credit and based on what I found I have different names and socials and addresses attached to my reports that are not me or belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: NV

Complaint narrative:
FedLoan Servicing reported late payments in XXXX in a period that my loan was in forbearance. The loan was placed in forbearance on XX/XX/XXXX and was in forbearance until XX/XX/XXXX. I attempted to dispute this on XXXX but they dont show the late reported payments in the dispute section, only in the payment summary section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date of BirthXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXXXXXX  XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOTIVE CREDIT CORPORATION
State: TN

Complaint narrative:
I was XXXX  car was impounded I couldnt afford to get it out. And I been trying to contact them to give it back but no answer at response its been two months they been charging me XX/XX/year> They are still reporting late payments

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 2024-10-13 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: NY

Complaint narrative:
Subject : Reinsertion of account back on my credit report. 
I have submitted an dispute on XX/XX/XXXX to Experian regarding an account being reported on my credit file. I asked for verification of the debt according to the FCRA, FTC and the USC laws to send any documents pertaining to the below listed account. This account is not reporting accurate on my credit report. I have filed an Identity theft report along with a police report number sent via CFPC. I requested documents i.e., statements, application or anything with my signature verifying the accuracy of these accounts. This account have been deleted and reinserted back on my credit report. I have not received any documents after the 30 days dispute nor have I not been notified of it was going to be put back on my account 5 days prior or 5 days after which is a violation of the USC 611 laws. This has done great harm to my credit report and potential purchase of a new home i.e. mortgage loan loss. 
XXXX XX/XX/XXXX XXXX I am including the original documentation of the original disputes and an updated copy of my FTC complaint.

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 2024-10-13 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: WI

Complaint narrative:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: WI

Complaint narrative:
I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: MI

Complaint narrative:
As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXXbondage, which falls uder XXXX XXXX accourding to XXXX XXXXDebt Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block andremove this information from my credit report with FOUR BUSINESS DAYS. 

Please delete the following accounts : XXXX XXXX XXXX XXXX.bal. {$460.00} XXXX  XXXX bankruptcy : Bankruptcy bal. {$0.00}

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 2024-10-13 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: WI

Complaint narrative:
I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time

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 2024-10-13 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: WI

Complaint narrative:
I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time

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