vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
NOTICE OF DISPUTE : I am a consumer a natural living woman and i have rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ). Upon checking my credit report I notice that LVNV FUNDING LLC is reporting unverified information on my credit file. According to Fair Debt Collection Practices Act 15 USC 1692g ( 4 ) ( b ). It states that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' LVNV FUNDING LLC is obligated to cease any and all collection activities until lawful verification is obtained by providing lawful verification as required under Federal law.

Due to LVNV FUNDING LLC noncompliance I am notifying LVNV FUNDING LLC to cease from any and all communication through any medium as required under 15 USC 1692c ( c ) which includes but nit limited to credit reporting. I am demanding LVNV FUNDING LLC to cease from reporting to any and all credit reporting agencies and if LVNV FUDING fail to comply ac
cording to 15 USC 1692c ( c ) LVNV FUNDING LLC and any employee involved shall be held liable form willful and knowing noncompliance. Due to LVNV FUNDING LLC unverified information reporting I have not been able to conduct business and have been denied when initiating a consumer credit transaction when extending my credit. This have caused significant financial hardship and stress which have led to other health complication. If LVNV FUNDING fail to comply with my cease and desist order I will use any and all information provided to me as evidence against LVNV FUNDING LLC if legal actions need to be taken to protect my consumer rights. If you continue to report unverified information on my credit file causing continuous harm I will seek remedy as a result of your willful and knowing violation which you maybe held criminal liable.

LVNV FUNDING LLC have also compromised my nonpublic personal information without my express written consent which is identity theft and coercing me into paying an unverified alleged debt which maybe deemed as extortion and RACKETEERING Activities. This Cease and desist NOTICE is your final warning and proof that if you continue to violate my consumer rights and not comply I will file a complaint with the Federal Trade Commission ( FTC ) for Identity Theft and FRAUDULENT ACTIVITIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
I submitted a formal request for debt validation to LVNV Funding in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 809 ; 15 U.S.C. 1692g ). However, the company failed to provide the required assignment contract or other documentation necessary to substantiate their legal right to collect the debt.

The FDCPA requires debt collectors to provide verification of the debt upon request, including evidence that they are authorized to collect the debt. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), accurate reporting of debts to credit bureaus is mandatory, and incomplete or unverifiable debts should not be reported.

Failure to comply with these laws violates consumer protection regulations and may result in further action to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2024-11-25 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: MO

Complaint narrative:
The 3 big credit bureaus are reporting information on this account incorrect, inaccurate and outdated.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from Collection Bureau of America regarding an alleged debt they are trying to collect on behalf of XXXX XXXX and XXXX in the amount of {$1100.00}. On XX/XX/XXXX, I responded to their email, clearly stating that I dispute the alleged debt and requested additional information, including the name and address of the creditor, a copy of the last billing statement, and proof of Collection Bureau of America 's right to collect the debt. On XX/XX/XXXX, Collection Bureau of America responded to my email ( which proves they received my email ) with a document showing my name and amount owed. On XX/XX/XXXX, I obtained my credit report and discovered that Collection Bureau of America had placed a collection on my XXXX and XXXX credit reports without reporting the debt as disputed, as required by the FDCPA. Between XX/XX/XXXX and XX/XX/XXXX, I pulled my credit report 11 times, and each time, the debt was reported without being marked as disputed. On XX/XX/XXXX, I called your company and spoke with a representative named XXXX, again explicitly expressing my dispute of the debt. I have a recording of this call. Despite my clear disputes, Collection Bureau of America continued to falsely report the debt on my credit reports. I have documentation of all communications between Collection Bureau of America and myself, which unequivocally prove that I disputed the debt. I also have all my credit reports showing this collection being reported on my consumer report without reporting it was disputed. Collection Bureau of America 's repeated failure to report the debt as disputed constitutes a willful violation of the FDCPA, specifically section 1692e ( 8 ). They also violated XXXX  XXXX and Professions Code17200, XXXX XXXX  and Professions Code 17500 BPC and California XXXX XXXX XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX, Collection Bureau of America, received letters from my legal counsel putting them on notice of these violations and demanding compensation. Unfortunately, the company failed to respond to both letters, demonstrating a willful disregard for the law and a refusal to resolve this matter amicably. I am willing to provide one final opportunity for Collection Bureau of America to respond to this complaint and take corrective action. I expect a response within 10 days from the date of this complaint was submitted. If I do not receive a satisfactory response, I will be forced to take further legal action and file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate and unauthorized account information relating to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
the company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making them in violation of the law.

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 2024-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
the company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making them in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In XXXX, XXXX I did a voluntary COVID surrender of a XXXX XXXX XXXX XXXX. It was financed with Santander Consumer USA. This was due to a loss of income. Santander sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection account on XXXX XXXX, XXXX. I sent letters to Santander and to the three credit reporting agencies with this information. I requested that the Santander account reporting on my credit file be up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years. XXXX XXXX XXXX XXXX was removed but Santander was not updated. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-25 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: GA

Complaint narrative:
Upon reviewing a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor is unable to validate should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Ive called and confirmed with each company that these accounts were up for deletion and they have still not been 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 non-monetary relief
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies The following account is not mine XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor is unable to validate should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Ive called and confirmed with each company that these accounts were up for deletion and they have still not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax Team, I am writing to formally request that you update the information on my credit report to reflect that the loan with XXXX Account Number : XXXX has been " Paid Off In Full ''. 
In accordance with the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the official " Paid in Full '' letter from XXXX as evidence to support this request. 
Please review the attached document and update my credit report accordingly to show the loan as Paid in Full and Closed. Accurate reporting is not only critical for maintaining transparency but also ensures compliance with federal regulations. 
I kindly request a confirmation in writing once this update has been made. If additional information is needed, please feel free to contact me at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX or XXXX. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
This company has emailed, texted and called myself and 3 of my family members claiming I owe 2 debts from 6 years ago and have threathened legal action. I have repeatedly disputed owing the debt with them and requested they provide me with detailed information ( see attached letter ). My last letter dated XX/XX/year> is attached - I received no response and they have not stopped harrassing me, They even called my mothers neighbor and had the neighbor put a letter in my mothers mailbox requested I call. They have ruined my credit and I have no idea what this debt is. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following inquiries : Unauthorized Inquiries : 1. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : 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 2024-11-25 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: GA

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. 

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 XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief