vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the delayed opening of my accounts with your company. 

I have not received any updates or resolutions regarding the status of my accounts opening request. Given the urgency of this matter, I am reaching out to inquire about the progress and to emphasize the importance of expediting the correction of this issue. 

I understand that unforeseen delays may occur in the accounts opening process, but the lack of communication and transparency regarding the status of my request is concerning. As a prospective customer, I expected a more efficient and responsive resolution to this matter. 

I kindly request that you prioritize the review and processing of my accounts opening request to ensure its timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this issue. 

Please be advised that the prolonged delay in opening my accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. I trust that you will take immediate action to rectify this situation and provide a satisfactory resolution. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$230000.00} ; XXXX XXXX Balance : {$260.00}.

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 non-monetary relief
Consumer complaint received 2024-03-04 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 hope this message finds you well. I am writing to follow up on my previous correspondence regarding the delayed opening of my accounts with your company. 

I have not received any updates or resolutions regarding the status of my accounts opening request. Given the urgency of this matter, I am reaching out to inquire about the progress and to emphasize the importance of expediting the correction of this issue. 

I understand that unforeseen delays may occur in the accounts opening process, but the lack of communication and transparency regarding the status of my request is concerning. As a prospective customer, I expected a more efficient and responsive resolution to this matter. 

I kindly request that you prioritize the review and processing of my accounts opening request to ensure its timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this issue. 

Please be advised that the prolonged delay in opening my accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. I trust that you will take immediate action to rectify this situation and provide a satisfactory resolution. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$230000.00} ; XXXX XXXX Balance : {$260.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Requesting documents with my signature given the consent to share my personal information with third party non affiliate companies 15 USC 6802 ( b ) opt out ) ( 5 USC 552 ( a ) 16 CFR 313.7 16 CFR 433.2 -433.3

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On XX/XX/2018, when I was XXXX in XXXX VA for my first XXXX XXXX, My account was locked due to suspicious activity. I was out celebrating about to purchase some food when my card was declined and I was locked out, I quickly called XXXX XXXX and they instructed me to come in to verify that it was actually me. My chain of command took me that following Monday to the branch and was told that my account was used multiple times in XXXX Illinois. I was stationed and attending my duties during that time. XXXXXXXX XXXX  then explained that if I stop paying any due amount that my account can go into collections, and will affect my credit-which consequently terminate my security clearance and could get me discharged from the military. I chose to keep paying due to my lack of knowledge of steps to take when there is fraudulent activity. During that time I spoke with police and filed an NCIS report because it was happening to other XXXX at the time. Fast forward to when I was released from the military XXXXXXXX XXXX  put my account into collections due to not having any fund to pay them. They eventually charged off my debt but it still remains in my credit report harming my chances of buying anything with credit. They eventually sold my debt to LVNV FUNDING LLC which continues to harm my credit to this day. I've tried to dispute it but due to XXXX and lack of information I have not been able to do it correctly. LVNV FUNDING LLC has also threatened to take legal action as an intimidation tactic. I also filed an identity theft report last year, and I have my report number if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the delayed removal of fraudulent items from my credit file. As a responsible consumer, I rely on the accuracy of my credit report to make informed financial decisions. However, I have recently discovered fraudulent items on my credit report that are damaging my creditworthiness and reputation. 

I have taken all necessary steps to report these fraudulent items to your agency and have provided supporting documentation to substantiate my claims. However, I am dismayed by the lack of action taken to address this issue and the prolonged delay in removing these fraudulent items from my credit report. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit file and to take immediate steps to investigate the circumstances surrounding their inclusion. Additionally, I request that you provide me with regular updates on the progress of your investigation and the actions being taken to rectify this situation. 

Failure to address this matter promptly will not only harm my financial standing but also undermine my confidence in your agency 's ability to protect consumers from fraudulent activity. I trust that you will take swift and decisive action to resolve this issue and restore the integrity of my credit report. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04 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: GA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the delayed removal of fraudulent items from my credit file. As a responsible consumer, I rely on the accuracy of my credit report to make informed financial decisions. However, I have recently discovered fraudulent items on my credit report that are damaging my creditworthiness and reputation. 

I have taken all necessary steps to report these fraudulent items to your agency and have provided supporting documentation to substantiate my claims. However, I am dismayed by the lack of action taken to address this issue and the prolonged delay in removing these fraudulent items from my credit report. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit file and to take immediate steps to investigate the circumstances surrounding their inclusion. Additionally, I request that you provide me with regular updates on the progress of your investigation and the actions being taken to rectify this situation. 

Failure to address this matter promptly will not only harm my financial standing but also undermine my confidence in your agency 's ability to protect consumers from fraudulent activity. I trust that you will take swift and decisive action to resolve this issue and restore the integrity of my credit report. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have inaccurate info on all 3 reports. wrong address, wrong jobs misspelled name

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have inaccurate info on all 3 reports. wrong address, wrong jobs misspelled name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this XXXX inquiry 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 non-monetary relief
Consumer complaint received 2024-03-04 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: Scott Fetzer Financial Group Inc.
State: GA

Complaint narrative:
XX/XX/2024, {$8600.00}, company closed the account- but did not remove inaccurate, fraudulent, information from their institutions reported to credit bureaus. 

XX/XX/2024, {$16.00}, company closed the account- but did not remove inaccurate, fraudulent, information from their institutions reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to express my frustration and dissatisfaction with the numerous unsuccessful attempts to remove unknown inquiries from my credit report. Despite my persistent efforts to dispute these inquiries, they continue to appear on my credit report, which is deeply concerning. 

I have encountered multiple unknown inquiries on my credit report that I have no knowledge of and did not authorize. These inquiries not only impact my credit score but also raise serious concerns about potential identity theft or unauthorized access to my personal information. 

I have diligently followed your agency 's procedures for disputing inaccurate information and have submitted multiple requests to have these unknown inquiries removed from my credit report. However, I have yet to receive a satisfactory resolution to this issue, and the inquiries persist, causing unnecessary stress and anxiety. 

As a responsible consumer, I take great care to monitor my credit report and ensure its accuracy. The presence of unknown inquiries not only undermines my efforts to maintain a healthy credit profile but also erodes my confidence in your agency 's ability to protect consumers ' privacy and financial well-being. 

I urge you to prioritize the immediate removal of these unknown inquiries from my credit report and to conduct a thorough investigation into the source of these inquiries. Additionally, I request that you provide me with regular updates on the status of my dispute and the actions being taken to address this issue. 

Failure to resolve this matter promptly will not only impact my financial standing but also reflect poorly on your agency 's reputation for accuracy and reliability. I trust that you will take swift and decisive action to rectify this situation and restore the integrity of my credit report. With this, I am asking for your assisstance to remove othese unknown inquiries in my credit file : XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed these fraudulent inquiries multiple times with EXPERIAN and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. please remove these immediately as the do not belong on my report, and they are affecting my quality of my life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

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 2024-03-04 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: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-03-04 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: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The statue of limitataions on this account is up. This this type of reporting and furnishing of a inaccurate account on a credit report is violating federal laws under the Fair Credit Reporting Act and Fair Debt Collections Practice Act. - Date Opened : XX/XX/XXXX Making it over the ( 7 ) year limit to furnish or collect on a debt. - Date of Last Activity : Furinshing ( 3 ) differernt Dates, Months, & Years - Late Payment : Year XXXX XXXX [ XXXX ] XXXX [ 120 LATE ] XXXX [ OK ] - THIS ACCOUNT IS A CHARGE -OFF : A CHARGE -OFF CAN NOT HAVE A HIGH BALANCE OR BALANCE - A CHARGE OFF CAN NOT REPORT LATE PAYMENTS FURTHER AFTER CLOSED DATE OR AFTER IF THE ACCOUNT REACHED THE STATUE OF LIMIITATION. If the account was charged- off, I never recieved a 1099 tax form. Violations used against me : 15 U.S CODE 1692 ( g ) Validation of Debt 15 U.S CODE 1681 ( a ) ( 2 ) Permissible Purpose 15 U.S CODE 1681 ( b ) Inaccurate False Reporting 15 U.S CODE 1681 ( e ) ( b ) Collection Must Be 100 % Across All ( 3 ) credit reporting agencies

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 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached and my dispute letter with my ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-04 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: TX

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

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