vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Debt collector stated that I opened an account with them that is allegedly still open. They are also in copyright infringement because they use XXXX XXXX and any derivatives of it which has been copyrighted since XXXX of XXXX. According to 15 U.S.C. 1592 ( g ) a debt collector shall provide proof debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MO

Complaint narrative:
Dear CFPB, I am filing this formal complaint regarding significant inaccuracies and procedural violations in the reporting of several accounts on my XXXX credit report. Despite multiple disputes, these issues remain unresolved. The accounts in question include : XXXX. XXXX  XXXX ( Account Charged Off ) : Balance : {$240.00} Discharged via 1099-C ; reported as income. It is no longer valid debt but continues to be reported as a charge-off, violating 15 U.S.C. 1681e ( b ) ( accuracy requirements ). 
2. XXXX XXXX ( Two Accounts Charged Off ) : Account 1 : {$1300.00} charged off.

Account 2 : {$450.00} charged off. 
Both debts were discharged via 1099-C and should not appear as charge-offs. Reporting these accounts as active debts is inaccurate and misleading. 
3. XXXX ( Account Charged Off ) : Balance : {$2100.00} This account has been written off and discharged but remains reported inaccurately as a charge-off. 
4. XXXX XXXX XXXX ( Collection Account ) : Balance : {$450.00} This collection account is invalid. I dispute the chain of custody, ownership, and permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

Key Issues : 1. XXXX  Failure to Correct Inaccuracies : XXXX has failed to meet its obligatio

n under 15 U.S.C. 1681i ( a ) to investigate disputes and correct inaccurate information. 2. Procedural Violations by Creditors and Collectors : Creditors and XXXX XXXX XXXX have failed to validate debts, comply with dispute requirements, and accurately report account statuses. 
3. 1099-C Discharge : Accounts discharged and reported as income to the IRS via 1099-C can not legally remain on credit reports as active debts or charge-offs. 

Requested Resolution : 1. Immediate deletion of the following accounts : XXXX  XXXX XXXX XXXX ( both accounts ) XXXXXXXX XXXX XXXX  XXXX ( collection account ) 2. Confirmation that XXXX and the furnishers are complying with 15 U.S.C. 1681e ( b ), ensuring maximum possible accuracy. 
3. Compensation for damages caused by willful noncompliance, if applicable under 15 U.S.C. 1681n. 

I trust the CFPB will address these issues promptly and ensure compliance with federal laws. Please find enclosed copies of my disputes, credit report highlights, and supporting documentation for your review.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Formal Dispute of Inaccurate Late Payment Reporting to TransUnion

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 2024-12-27 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: LA

Complaint narrative:
I recently received a copy of my credit report and found illegally reporting inaccurate information about me. The following alleged accounts is listed as collection with PAST DUE balance of : XXXX XXXX {$7900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$580.00} This a violation of the FCRA and also in violation of requisite Metro 2 Compliance reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 


With Great Sincerity, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: LA

Complaint narrative:
I recently received a copy of my credit report and found illegally reporting inaccurate information about me. The following alleged accounts is listed as collection with PAST DUE balance of : XXXX XXXX {$7900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$580.00} This a violation of the FCRA and also in violation of requisite Metro 2 Compliance reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 


With Great Sincerity, 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I never gave concent to no third party and all my info is incorrect my name address charge off its all fraud I ask for the 1099 they won't provide me and I know they have them I told them these laws and they still don't give me no relief 15 us code 1682 ( 2xi ) ,15us code1666b 12 cfr1026.13,15us code 1635,15us 1681 ,15us code 1681b

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 2024-12-27 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All of the Credit agencies system was hacked and my information was breached due to 15 USC 1681 Im filing a complaint because my credit has been effected by this.

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 2024-12-27 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-27 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:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-27 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: NC

Complaint narrative:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
Being sued for a 20 year old debt that I wasnt aware of and my income is being garnished and I cant maintain my home because my wife doesnt work and has a lot of doctor bills. I wasnt aware of this debt until my wages were garnished. Theres years of interest that has occurred and theres no way i can pay that debt and its not my debt.

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 2024-12-27 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Exeter Finance that stated the {$10000.00} payoff quote, as my loan maturity is upcoming in XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative and explained my financial circumstances. I was advised that the only options to resolve the debts were to refinance, take out a small loan or have the car repossessed. On XX/XX/XXXX, the co-boworroer and I spoke with a representative who reiterated the information above and I requested to speak with a manager. Upon speaking with the manager, I advised her that due to unforeseen financial challenges, including being on XXXX and currently out of work, I am unable to pay the remaining balance of {$10000.00}, which is due by XX/XX/XXXX. This amount has accrued significantly due to XXXX loan extensions granted over the course of the loan term. While I am grateful for the flexibility offered through these extensions, the resulting interest has created a financial burden that I am unable to manage. Additionally, I would like to raise concerns regarding certain lending practices associated with my loan, which may be inconsistent with applicable state regulations, including : Mandatory Arbitration Clauses : These clauses may limit my ability to resolve disputes or seek legal recourse, potentially violating California Civil Code 1670.5. 
Repeated Rollovers : The XXXX extensions could be interpreted as repeated rollovers, potentially trapping me in a cycle of debt, which may not comply with California Financial Code 22000.

Failure to Disclose Terms : If the full terms and consequences of these extensions, including the accrual of substantial interest, were not clearly disclosed, this could violate California Civil Code 2982.

Negative Amortization : The loan structure may have resulted in negative amortization, where payments did not adequately reduce the balance, potentially breaching California Civil Code 1916.7.

Balloon Payments : The significant amount due at maturity may effectively function as an undisclosed balloon payment, which could contravene California Civil Code 2924i.

Excessive Interest Rates and Fees : The accumulated interest may exceed fair lending practices outlined in California Financial Code 22000. 
Targeting Vulnerable Populations As someone currently on XXXX and financially struggling, I am concerned that the terms of this loan may have been designed to exploit vulnerable borrowers. This practice could violate consumer protection laws, such as the California Fair Employment and Housing Act ( FEHA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: LA

Complaint narrative:
My XXXX  XXXX account which starts with XXXXand ends in XXXX is reported closed on Experian and XXXX. This account is currently open and XXXX XXXX also confirms that. However, it is showing closed status on both credit bureaus and I have disputed this twice but the outcome still shows that the account is closed. This account is currently open and I use the card for groceries and other purchases with regular payments to keep my credit usage low. Please kindly help me fix this thing. I dont know why there are differences in my credit 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 explanation
Consumer complaint received 2024-12-27 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX  Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-27 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-27 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:
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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-27 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: LA

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected 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 non-monetary relief
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

Company response to consumer: Closed with non-monetary relief