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: 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 am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) that I am a victim of XXXX XXXX  and to report TransUnions failure to comply with Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws protecting XXXX  survivors. Under the FCRA, specifically Section 605 ( c ), credit reporting agencies are legally required to block adverse credit information that resulted from XXXX  within four business days of receiving a victims request. I have provided TransUnion with all required documentation, including proof of my status as a victim and an official report verifying my victimization. Despite fulfilling my obligations under the FCRA, TransUnion has not complied with its legal duty to block the adverse credit information related to this matter. Furthermore, I bring to your attention the Justice for Victims of XXXX  Act of 2015 ( JVTA ) [ 18 U.S.C. 1591 and 22 U.S.C. 7102 ], which defines severe forms of XXXX  in persons, including XXXX XXXX, and ensures the protection and restitution rights of XXXX  survivors. These laws emphasize that XXXX  survivors should not be further victimized through adverse actions that impact their financial standing, including the mishandling of credit report disputes. Additionally, the XXXX  Victims Protection Act ( TVPA ) and its subsequent reauthorizations highlight the federal mandate to provide restitution and safeguard the rights of victims of XXXX XXXX  and XXXX XXXX. FCRA Section 605 ( c ) was specifically amended to provide victims with the right to have adverse credit information removed when it is a direct result of XXXX. TransUnions failure to follow these mandates and disregard for the protections afforded to XXXX  survivors under federal law is unacceptable. This non-compliance has caused me undue distress and further compounded the harm I have already suffered. I demand that the CFPB take immediate action to ensure TransUnions adherence to the FCRA, JVTA, and TVPA. All adverse information related to this matter must be permanently blocked and removed from my credit report without further delay. I also request an investigation into XXXX unlawful handling of my case and for the CFPB to impose the necessary penalties to prevent such violations from occurring in the future. I expect a prompt response and intervention. Please confirm receipt of this complaint and advise on the next steps to resolve this matter. Thank you for your attention to this issue and for safeguarding the rights of XXXX  survivors.

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 — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX placed LVNV FUNDING LLC collection account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing LVNV FUNDING LLC to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I was given a check through the bank " XXXX XXXX  '' of XXXX Texas and Instructed to take the check to becu " to create a papertrail. '' Being that it was not disclose to me in that order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Security Credit Services, LLC
State: TN

Complaint narrative:
I sent a request for company to verify information of debt owed & sufficient evidence was not sent back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX, Equifax and XXXX are all reporting information that is either not allowed by law or is harming me commercially without justification. 

- Charge offs are considered income and should not be on my credit report.

IRS Code - Under 26 U.S.C. 61 ( a ) ( 12 ), the Internal Revenue Code ( IRC ) specifies that income includes " income from the discharge of indebtedness. '' - My reports contain transaction data and expereinces between the consumer and person making the report. This is expressly excluded from comsumer credit reports per : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - Each credit reporting company lists 10 or more unmailable addresses. Only my current address is mailable. 

- There are dozens of names msot of which are not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX, XXXX and Experian are all reporting information that is either not allowed by law or is harming me commercially without justification. 

- Charge offs are considered income and should not be on my credit report. 
IRS Code - Under 26 U.S.C. 61 ( a ) ( 12 ), the Internal Revenue Code ( IRC ) specifies that income includes " income from the discharge of indebtedness. '' - My reports contain transaction data and expereinces between the consumer and person making the report. This is expressly excluded from comsumer credit reports per : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - Each credit reporting company lists 10 or more unmailable addresses. Only my current address is mailable. 

- There are dozens of names msot of which are not 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 2024-11-03 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: CO

Complaint narrative:
Transunion, XXXX and XXXX are all reporting information that is either not allowed by law or is harming me commercially without justification. 

- Charge offs are considered income and should not be on my credit report.

IRS Code - Under 26 U.S.C. 61 ( a ) ( 12 ), the Internal Revenue Code ( IRC ) specifies that income includes " income from the discharge of indebtedness. '' - My reports contain transaction data and expereinces between the consumer and person making the report. This is expressly excluded from comsumer credit reports per : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - Each credit reporting company lists 10 or more unmailable addresses. Only my current address is mailable. 

- There are dozens of names msot of which are not 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 2024-11-03 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: Grant & Weber
State: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appears on my consumer XXXX  credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account ///opened at XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, GRANT & WEBER ARIZONA XXXX XX/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 explanation
Consumer complaint received 2024-11-03 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appears on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account ///opened at 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 explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item 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 this item is being reported correctly? Who verified this item? 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 item 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 THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
To whom it may concern. I put in a school misconduct application, and XXXX ( XXXX ) Mohela denied my application when it is clear as day that they are over charging on a XXXX dlr loan and it's XXXX dlr. The school I attended was XXXX XXXX ( XXXX ) XXXX XXXX, it's so obvious of the fraudulent activity, everyone changes their name. All my loans was in the class action lawsuit, XXXX XXXX XXXXXXXX, XXXX ( A.K.A ) XXXX XXXX, XXXX XXXX XXXX. I am on a fixed income where I get a XXXX check I can not afford anything. I have a mental health issue caused by my financial status. Then XXXX has the audacity to flag my credit this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
Somehow equifax had my credit merge with someone with my same name. That person had XXXX inquiries on their credit which somehow was added to mines. I was told this by equifax, I have tried numerous times to get then to remove these inquiries and they refuse. Ive sent several documents and they refuse to honor my request to delete said inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: NJ

Complaint narrative:
I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. 
I have lived at XXXX XXXX XXXX, XXXX NJ XXXX since I was a kid at the age of XXXX. I previously lost my wallet back in 2018. I have been told by XXXX XXXX that someone at the address, XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX NJ I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I NEVER SIGNED FOR THESE ACCOUNTS AT ALL. I PROMISE NOT ONE OF THESE ACCOUNTS CAN PROVIDE YOU WITH A VERIFIABLE SIGNATURE OR SIGNED CONTRACT AGREEING FOR THEM TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT. Thats because these accounts were not opened by me. 

According to The FCRA, You must provide verifiable documents, signatures, contracts etc in order to verify that these accounts belong to me in which they do not. 
Aside from everything stated above, all of these accounts were exposed and compromised due to 2 XXXX Data Breaches. Proof is Attached. 

If These Accounts Are Not Removed From My Credit Report, My Lawyer & I Will Pursue Litigation with XXXX followed by Experian & XXXX since the FCRA States that all accounts affected by a data breach must be removed from my credit report. 

I Already lost over {$10000.00} + Spent over {$5000.00} mailing letters and receiving legal guidance on how to remove these accounts from my report. 
If I have to send one more dispute, I am coming for everything I lost through litigation

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Balance on Columbia debt revcove account increase by {$2.00} from {$470.00} to {$480.00}. The collection agency have added additional charges.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX [ XXXX, Tx XXXX XXXX XXXX XXXX Equifax Equifax Information Services XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear Equifax, I am writing to formally dispute multiple accounts listed in my credit report that I believe violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). The accounts below have compromised my rights to privacy and confidentiality as established under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA : 15 U.S.C. 1681 Section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years.

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

These provisions indicate that the accounts listed above may have been reported without proper verification or in violation of the time limitations set forth by the FCRA.

I request a thorough investigation into these matters and ask that you provide me with the results within 30 days, as required by law. If any inaccuracies are confirmed, please ensure that they are corrected or removed from my credit report.

Attached are copies of any supporting documentation that may assist in your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation