vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I previously requested information regarding the debt by LVNV funding LLC reporting to the credit bureaus that XXXX was owed to them as of XXXX. I never did any business with this entity. I also filed a complaint with CFPD former case # XXXX that case was closed due to the company providing FALSE INFORMATION. The company stated that " The Account originated on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXXXXXX The Account charged off on XX/XX/XXXX with a balance of {$860.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$860.00}. Bill statements and terms and conditions on file for the Account are enclosed for review. '' They also stated that the account was charged off. Which is not correct this account is paid and closed and it originated with XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX and last payment date of XXXX XXXX, XXXX with the highest balance being {$850.00} I paid the amount due to the original creditor on XXXX XXXX. Therefore the information provided is incorrect and invalid information reporting to my credit report and is illegal please delete from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX TransUnion XXXX XXXX / XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX TransUnion/ 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 2024-09-25 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:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Experian / XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: Giggle Finance Inc.
State: MO

Complaint narrative:
I noted some inquiries on my XXXX report that i did not authorize. I reached out to XXXX on these inquiries and they requested me to contact the companies involved of which i did with no resolution. I reached out to XXXX again who requested that a file a complain with CFPB.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX WY XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear XXXX, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date Paid : [ Date of Payment ] This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,

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 2024-09-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX WY XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear XXXX, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date Paid : [ Date of Payment ] This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had a care credit card since XX/XX/year>. My limit at the time was XXXX. I have paid every bill on time, never missed a payment and highest balance was only ever XXXX. Recently and out of the blue I recieved an email from them letting me know what they lowered my credit limit to XXXX, leaving me a XXXX credit limit and {$200.00} available use. This ratio caused my credit score to lower drastically and when I contacted the company it said my balance was too high on other credit cards. This is very unprofessional and they have provided me no documentation showing that they are allowed to lower my credit score at any time. Seeing as how care credit has a pre approval process had I known that 4 months later my limit would only be XXXX I would never have agreed to a hard inquiry on my credit report. Upon further investigation I find that this company has been doing this to many consumers.

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 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A cashiers check in the amount of XXXX $ was generated in the form of cash for in person at Bank of America on XXXX. I simply want clarification as to why the check that was written out to XXXX XXXX. Was never deposited into my account. I have contacted BOFA to see where this check has gone. They said I changed the check small cashiers check for an amount of XXXX $ an exchanged for a larger check amount of XXXX $ at a later date of the XXXX of XXXX. The XXXX $ cashiers check has a stamp on back that is stamped by XXXX. Stating NOT INTENDED FOR ITS PURPOSE. AND NO ENDORSEMENT ON THE CHECK ITSELF? This is the problem. They refuse to give me more information as to where the XXXX  check went. I would like to dispute the charges to restore this matter for my IRA ACCOUNT WITH XXXX XXXX. Bank of America, have also try to imply, over a phone conversation with XXXX on XXXX at XXXX. That I signed that cashiers check, as I have signed a previous chashiers check right around the same time for a different amount, made out to XXXX. However, that check did go through well. Thank you

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 2024-09-25 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-25 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: CA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX BANK XXXX : XX/XX/XXXX : XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX : XX/XX/XXXX : XXXX XXXX : XX/XX/XXXX : XXXX  XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-25 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Agency ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX Debt Final Rule 1002 .142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX {$23000.00}, XXXX XXXX {$1100.00}, XXXX {$0.00}, XXXX XXXX XXXX {$18.00}, XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Remove any other addresses please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Delete this account for failure to provide debt validation - Section 809 of the FDCPA ( 15 U.S.C. 1692g )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I contacted this company through XXXX  on XX/XX/XXXX and requested they remove my information from all of the reporting agencies as I did not ever have a contract with Penn Credit. Then on XX/XX/XXXX I requested proof of their legal right to ownership of this debt as well as any contract that I signed with them, I sent this letter certified mail and did not receive a response to these questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Transunion Team, I hope this letter finds you well. My name is XXXX XXXX, and I am the 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 


Under the Debt Bondage Repair Act, we are committed to advocating for the rights of victims and ensuring they receive the resources necessary to escape the cycle of exploitation. We believe that collaboration with organizations like Transunion is crucial in our efforts to restore financial stability and dignity to these individuals. 


Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for human trafficking survivors. XXXX XXXX XXXX  is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.

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 2024-09-25 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: GA

Complaint narrative:
This morning, I was stunned to see inaccurate accounts on my credit report and I have no clue why they appeared. I check my credit regularly, and everything was fine until now. I even tried refreshing the browser, thinking it might be a glitch, but unfortunately, the wrong accounts are still there. Im asking for a detailed review of the documents Ive sent to make sure I wont have to worry about this happening again.

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 2024-09-25 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XX/XX/XXXX an retaliatory hard inquiry made due to cfpb complain XXXX. When calling citizens, they stated they didn't make the inquiry and they only make one inquiry per month which was on XX/XX/XXXX when they stated my personal information didn't match my credit report. Citizens is blaming XXXX for two inquiries two weeks apart. Didn't apply for any loans to justify the second inquiry on XX/XX/XXXX. Only logical source for the inquiry is citizens trying to " resolve '' the prior cfpb complaint XXXX and made an additional hard inquiry on my credit report. 

Since per citizens that I'm not who I say I am and that my social security number is invalid, they need to remove both hard inquiries from my XXXX report.

Company response to consumer: Closed with explanation