vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are address that doesnt belong to 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services L.P. and LVNV FUNDING LLC are using deceptive forms to verify debt and reporting said debt to my credit file. This debt is inaccurate & unverifiable. I demand that Resurgent Capital Services L.P. and LVNV FUNDING LLC cease debt collection activities & remove this inaccurate, unverifiable debt from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute and express grave concerns regarding the deceptive forms you have furnished in connection with your debt collection efforts. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing 15 U.S. Code 1692j, which prohibits the use of certain deceptive forms in debt collection activities.

Account Data Listed Is Fraudulent Account Data Is Fraudulent & Inaccurate. Delete It Immediately.

Your collection practices have included forms that misrepresent or deceive consumers, which is a clear violation of federal law. Section 1692j of the FDCPA explicitly prohibits debt collectors from using forms that are likely to create confusion or mislead consumers about the nature or status of a debt.

I demand that you immediately cease using any deceptive forms in your collection activities and provide assurance that such practices will not continue in the future. Additionally, please provide me with copies of all forms and documents you have used in connection with your attempts to collect this debt. 

Furthermore, I demand the immediate deletion and removal of the debt you are attempting to collect from your records. This debt is disputed and violates the FDCPA. Therefore, any further attempts to collect or report this debt will be considered a violation of federal law. 

I expect a prompt response to this dispute letter, confirming that you have ceased the use of deceptive forms, providing me with copies of all relevant documents, and confirming the deletion of the disputed debt from your records. Failure to comply with these legal requirements will result in my pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action against your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX See attached forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services L.P. and LVNV FUNDING LLC are using deceptive forms to verify debt and reporting said debt to my credit file. This debt is inaccurate & unverifiable. I demand that Resurgent Capital Services L.P. and LVNV FUNDING LLC cease debt collection activities & remove this inaccurate, unverifiable debt from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute and express grave concerns regarding the deceptive forms you have furnished in connection with your debt collection efforts. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing 15 U.S. Code 1692j, which prohibits the use of certain deceptive forms in debt collection activities. 

Account Data Listed Is Fraudulent Account Data Is Fraudulent & Inaccurate. Delete It Immediately. 

Your collection practices have included forms that misrepresent or deceive consumers, which is a clear violation of federal law. Section 1692j of the FDCPA explicitly prohibits debt collectors from using forms that are likely to create confusion or mislead consumers about the nature or status of a debt. 

I demand that you immediately cease using any deceptive forms in your collection activities and provide assurance that such practices will not continue in the future. Additionally, please provide me with copies of all forms and documents you have used in connection with your attempts to collect this debt. 

Furthermore, I demand the immediate deletion and removal of the debt you are attempting to collect from your records. This debt is disputed and violates the FDCPA. Therefore, any further attempts to collect or report this debt will be considered a violation of federal law. 

I expect a prompt response to this dispute letter, confirming that you have ceased the use of deceptive forms, providing me with copies of all relevant documents, and confirming the deletion of the disputed debt from your records. Failure to comply with these legal requirements will result in my pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action against your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX See attached forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX is billing me Outside Networking Balance for XXXX for a service provided to my son on XX/XX/2022. After disputing this charge for a long time they went down to XXXX but I still didn't understand this high amount for the procedure that my son received ( XXXX XXXX XXXX XXXX ). I went ahead and put a claim to my Insurance company and they explained that the first bill from the hospital was submitted after almost 1 year of the service and it was denied. Because of my complains to the hospital they sent again the invoice to the insurance and they stated on a Grievance Resolution Letter that according to their chart costs the amount they aproved to pay was XXXX and I couldn't be charged more than XXXX ( that is my copayment according to The Explanation of Benefits of my policy ). The hospital seems not care about this letter, they don't let me send this letter to them and they are pushing me to pay the rest of the bill XXXX saying the Hospital was not in the Network by that time. I already submitted a claim under the No Surprises Act, because I find this action is violating the law. Now the debt is in collection handled by Receivable Solutions, LLC who also got I notification from me stating that I disagree with this debt, but they don't seem to care about my dispute with the provider. I don't want my credit to be affected and the Hospital is denying to do their due diligence and appeal the Insurance decision about what is own, they are after me personally by trying to collect the money through a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SC

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 inquiries need to be removed : XXXXXXXX XXXX XXXX Case Number : XXXX XXXX. XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made a trasfer from one of my paypal account under ID XXXX to a closed XXXX  account for an amount of {$5.00} USD which should have never gone through as the account was closed many years ago. I was expecting the amount to reverse back to my Paypal account so that I could transfer then to the right account. Transaction was done on XX/XX/2024 and Paypal support says that payment has already been credited to XXXX account. I went to XXXX XXXX  yesterday and they could not find the account ending XXXX as I might have closed that account over 10 yrs ago. Just confused as to how I collect that money. It is a small amount, but I am not getting right answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/24, I notified XXXX XXXX XXXXXXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXXXXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  XXXX complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX  XXXX. 
Please feel free to contact me at XXXX XXXX XXXX XXXX inaccurate credit reporting. According to 15 U.S. Code 1681- Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
A account can not be considered 120 days late 3 months in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SC

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 : XXXX Case Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it 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 in XX/XX/2024 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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. 
XXXX XXXX XXXX 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 a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it 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 in XX/XX/2024 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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. 
XXXX XXXX XXXX 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 a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation