vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXXXXXX XXXX XXXX  XXXX - Incorrect Previous Address XXXX - Incorrect Date of Birth

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 2024-06-11 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXXXXXX XXXX XXXX XXXXXXXX - Incorrect Previous Address XXXX - Incorrect Date of Birth

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 2024-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I rented with XXXX XXXX from XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX IL XXXX. During the first year, my bedroom flooded and my insurance paid. I lost a XXXX  and XXXX brought in nothing so I couldnt move out after. I signed on again and then my sewer backed up into my kitchen and my tap broke. Maintenance locked it up for up to 1 month because he claimed he couldn't find the tap part. We washed our plates with bathroom water which turned yellow-brown sometimes XXXX I have XXXX kids. I couldn't let them drink or be there when the XXXX sink would bubble out daily with sewer water. I left to rent with XXXX in XXXX, instead of XX/XX/XXXX when my lease was to end with XXXX XXXX. Meanwhile, a neighbor on the same floor was given another room on a higher floor when she experienced mere flooding. I thought it was because I owed so I didn't complain. 

On XX/XX/XXXX, the property manager met me in the garage and took my unit keys from me because she said they, the management, didn't want me to have access to the building. Meanwhile, I was supposed to rent the unit till my lease was up on XX/XX/XXXX. She said to send any interested persons that would want to rent my unit, to pay my bill, to her office. I parked my car on the XXXX floor of the buildingsgarage, even after I moved in XXXX, and I used the elevator to access it. It was then I felt the issue was a XXXX one. 

I asked the XXXX XXXX team if I could bring them a check to pay down my bill, they said no, and that a collector would contact me to work with me. 

Now some months later, Im looking for rent after renting with XXXX and Im being rejected for having a rental collection on my credit score. I called FCO in MAryland, they claimed they called me but didn't leave a voicemail, text or send an email. I found FCOs mail, far later than their dispute date and they said they can't do anything about it, and can not take it off my score. 

Now, I have XXXX little kids, and I'm XXXX. I have complained and sent all this in an email for the right figure to pay off so I can rent, they have not replied. 

I need urgent help to reach them fast, to get the right figure to pay and to take this error off my credit report as it's not true, and they did not contact me for the amount to be paid. {$9700.00} is the bill they have sent me, but if they took the keys from me because they did not want me to access the building, and with a broken tap, Do I have to pay those months because of the lease? Did they not break it up by taking the keys? 

Please, urgently help me and my kids. 

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 2024-06-11 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: TN

Complaint narrative:
I recently pulled a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These inaccuracies have been detrimental to my personal life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: PR

Complaint narrative:
Collection account information has inaccurate dates and is reported to a credit agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Collection account. {$61.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6100.00} XXXX Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1.00}, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$960.00} written XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off

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 2024-06-11 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: HI

Complaint narrative:
I did not receive any perk or service/product and according to 15 USC 1681b these inquiries has NO permissible purpose to be on my report. I demand that this agency deletes it 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 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Resurgent/LVNV Funding for their ongoing violations of my consumer rights as outlined under federal law. 
Details of the Complaint : XXXX. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Resurgent/LVNV Funding has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Resurgent/LVNV Funding has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Resurgent/LVNV Funding has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices. 
XXXX. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Resurgent/LVNV Funding has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Resurgent/LVNV Funding for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXX Collection Agency Information : Resurgent /LVNV Funding Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: HI

Complaint narrative:
I was unaware of these collections on my consumer reports and I demand that this company delete these items.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
o Whom This May Concern : I am writing this letter to dispute the following inaccurate information in my credit report, I am disputing any and all debts. I am requesting that the following items be removed from my credit report immediately! Im also revoking all rights of communication between myself and the collection agencies whether by mail, text, phone calls or email. I request debt validation and the purchase agreements of the collection agencies and the original creditor. I would also like written proof that they are licensed and bonded. 

The collection agencies have violated the following consumer law 12 CRF 1006.34 ( b ) ( s ) but placed a collection in my consumer report. 

You have not given me a chance to dispute account according to 12 CRF 1006.34 ( c ) ( 4 ) ( i ) The collection agencies are violating my consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agencies have no authority to furnish any accounts to a consumer reporting agency without providing any and all disclosures required by law and they are in a clear violation of 12 CFR 1006.34 ( d ) and15 USC 1681-S2 ( 7 ) ( A ) These are the following accounts CAPITALONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-12 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: NY

Complaint narrative:
I want to inform the credit bureaus once again that I am a victim of identity theft and request the removal of these fraudulent items from my credit file. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items associated with identity theft. Here is the list of items I need removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, 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 2024-06-11 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:
XX/XX/2024 I have disputed several accounts with the Credit Report agencies.

The Credit Report Agencies are Violating my rights as a Consumer under the Federal Trade Commission Act ( FTC ) and The Fair Credit Repoerting Act ( FCRA ) According to Title 15 United States Code Session 6801 Financial Institutions are required to protect the privacy of consumers personal financial information.

Financial Institutions must give their customers the right to Opt OUT of having their Information shared with Non-Affiliated third parties. Prohibiting the disclosure of nonpublic personal information about consumers to Non-Affiliated third parties without consumers Verbal or Written Concent.

The Gramm Leach Bliley Act States Non-Affiliated third parties are external organizations or individuals that are not part of the same corporate family or group of the financial Institutions. 

I did not give the following financial Institutions Verbal or Written Concent to disclose my nonpublic personal information to Non-Affiliated third parties : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  These Financial Institutions have broken the law and as a law abiding citizen I would like these accounts removed from my consumer credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
XX/XX/year> I have disputed several accounts with the Credit Report agencies.

The Credit Report Agencies are Violating my rights as a Consumer under the Federal Trade Commission Act ( FTC ) and The Fair Credit Repoerting Act ( FCRA ) According to Title 15 United States Code Session 6801 Financial Institutions are required to protect the privacy of consumers personal financial information.

Financial Institutions must give their customers the right to Opt OUT of having their Information shared with Non-Affiliated third parties. Prohibiting the disclosure of nonpublic personal information about consumers to Non-Affiliated third parties without consumers Verbal or Written Concent.

The Gramm Leach Bliley Act States Non-Affiliated third parties are external organizations or individuals that are not part of the same corporate family or group of the financial Institutions. 

I did not give the following financial Institutions Verbal or Written Concent to disclose my nonpublic personal information to Non-Affiliated third parties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Financial Institutions have broken the law and as a law abiding citizen I would like these accounts removed from my consumer credit reports 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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts 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 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.

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!

Company response to consumer: Closed with non-monetary relief