vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXXXXXX XXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-09 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:
Double reported student loan debt and incorrectly reported a late payment on XXXX loan during the time of XXXX forbearance. It is impossible for the loan to have been late, no payments were due. Occurred on one of many instances of the same student loan.

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 2024-09-09 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: FL

Complaint narrative:
I am writing to request an investigation following information on my XXXXTransUnion credut report. 

XXXX XXXX XXXX Balance {$130.00} Balance updated XX/XX/2024 XXXX I paid the account in full, and it should no longer appear on my credit report. I am the victim of identity theft, and I did not open this account. The creditor misreported my account, and all my payments are current and were paid in full. I moved out of this apartment over a year now. 

Please let me know if any additional information is necessary to remove this from my credit reports. 
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 non-monetary relief
Consumer complaint received 2024-09-09 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:
I believe these accounts were fraudently opened due to identity theft XXXX  XXXX {$110.00}, XXXX  XXXX XXXX {$480.00}, XXXX  XXXX {$540.00}, XXXX XXXX XXXX {$510.00}. I've asked the credit agencies to remove these accounts on several occassions from my consumer report and provide documents validating these accounts at this point the agencies are in violation of williful non compliance

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 2024-09-09 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: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX  Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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

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 2024-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
XXXX : I tried an international remittance of {$1000.00} through Remitly to XXXX. The transaction was cancelled from their end, and I got the refund immediately. 
XXXX : I tried again. This time, it showed " delivered '', but the recipient ( my XXXX account ) didn't receive that. 
XXXX : I contacted Remitly, and they informed me the UPI ID was incorrect. They said they had mailed it to their partner bank in XXXX. After they receive the money back, I can edit/cancel the transaction. I was told to wait for three business days. 
XXXX : I contacted them over chat. They told me to wait for three more business days. 
XXXX : I contacted them again. This time, a kind woman was able to retrieve the money. I updated the details to another UPI ID, which I had successfully used in XX/XX/2023 to send money. It showed delivered again. 
XXXX : I contacted them asking about the transaction. I was told that since this is an updated transaction, it will take more time. 
XXXX to XXXX : I contacted them many times in between and got the same response " to wait ''. I was also informed the UPI ID was correct. 
XXXX : I was told that the XXXX side faces issues due to system updates and maintenance. I was told to wait 4 business days and get a refund, or the recipient will get the money. ( have email proof ) XXXX to XXXX : Called them 3 times in between and chatted multiple times. I have sent them a statement of the XXXX account through the app. They say they are still investigating and will take some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This complaint pertains to Having too many Names, Addresses and emails on my Accounts. I need this to be a Blanket Compliant across all three credit agencies. Equifax, XXXX and XXXX. I have XXXX full name, XXXX Mailable address and XXXX Email. I see several on my Report. Per 15 USC 41 And 15 USC 1696 also USC 1681b. I being the Creditor of my accounts in Real, living and Private compacity expect deligency when its coming to holding private transactions with My Securities with a Provider of my choice. They should not share my private transactions with A credit agencies of any kind. I opt out off all reporting of late payments, Credit card transactions reporting of my private transactions. Per the truth and lending act It's against the law and they are performing Securities Fraud as we speak. I want compensation for this violation for loss of Time and Opportunities per What's on my Credit report without permissible Purposes. By law it's {$5000.00} or 1 year in jail for Knowingly violating these policy 's. I need remedy fast. My score has dropped tremendously. I need All inaccuracies Removed immediately and All accounts showing paid in full. This is my third attempt and will need remedy. The Government has already paid our debts credits. It's fraud to charge me or take my certificate of indebtedness in a debt system. I have unlimited credit in every transaction per The government. Knowing that I credited the accounts I created and can not be in debt when I created the value.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I'm being cheated out my money and over charged for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charging me {$25000.00} have to pay {$270.00} every 2 weeks or the car will be repo. I filed a complaint with the DMV that found violations also filed a complaint with the XXXX. XXXX the general manager wants me to make decisions for me by offering a form to sign take the car from me and {$0.00} balance and keep quiet! XXXX never asked me what do I want after being cheated for a year and half! My solution is to give me the title to the car that's been already paid for by me according to the value of the car and paid on my credit. I have proof of steady cheating me and I will continue to seek help because this is theft! Car note payments not being subtracted and I have proof I'm being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
With all the fraud reports involving ZELLE, one of the easiest things should do is to allow users to delete a contact they no longer wish to send money to. 

If you have a one time transfer. That contact remains in your list of recipients forever ( at least with the XXXX XXXX  implementation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Company -XXXX  Date - XX/XX/XXXX Amount - {$10000.00} I did not give this company authorization to report this collection to my credit report, this violates my privacy rights under the Privacy Act of 1974 this fraud. 

I took action by asking the company to send me information on this collection debt in a form of a letter still no action taken on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I received a letter from Elevate Recoveries , LLC. I have never heard of this company nor have I ever had a purchased agreement or contract with them. I noticed on my credit report I have {$1000.00} for some unknown reason. I would like to see a signed contract between myself and Elevate Recoveries LLC. If there is not proof I would like it removed from my credit report, according to FCRA Section 605B.

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 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 CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationExperian. Please delete the following accounts. XXXX XXXX. {$1400.00}, XXXX XXXX Balance {$200.00}, XXXX XXXX XXXX Balance {$38000.00}, XXXX XXXX XXXX Balance {$130.00}, XXXX XXXX Balance {$0.00}, XXXX Balance {$0.00}, XXXX XXXX Balance {$870.00}, XXXX XXXX XXXX  Balance {$35000.00}

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 2024-09-09 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: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with [ creditor name ], which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

Experian : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor.

Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. XXXX and Experian report different balances, with Experian listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, Experian notes an unpaid balance reported as a loss, while XXXX does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible.

For your reference, I have attached copies of my credit reports showing these discrepancies.

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-09 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: MD

Complaint narrative:
To whom it may concern, I am writing to XXXX  to the negative marks you have made on my credit file. I would be willing to accept the debt if it were mine and upon Valuation and Proof of Claim it is not mine. And there is no way you can validate it. Im sure you are aware of the Provisions of the Fair Debt Collections Practices Act so let it be known that I am requesting full validation of this debt. XXXX requested proof that I am intake party that you are asking to pay this debt. And the there is some contractural obligation which is binging me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes as legal validation here is a list of documents Date of last activity My completed social Security number That may help identify me as the person you are trying to collect from The agreement that bears the signature of The alleged debtor wherein he agreed to pay the original creditor The obligation between you and I to collect and transaction that binds me to an agreement to pay your company any claim that I owe.

Proof of identification state id drivers license that was presented at the time of this debt Letter of sale agreement from the original creditor to your company I look toward to a uneventful resolution of this matter XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Debt amount : XXXX Creditor Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Subject : Dispute of Debt and Cease Communication Request Dear XXXX XXXX XXXX XXXX, I am writing to dispute the validity of the debt referenced in your communication dated XX/XX/XXXX communication from creditor, XXXX XXXX XXXX. This is not an acknowledgment of the debt but a formal dispute of its validity. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c, I request that you cease any and all communication with me regarding this debt, except as authorized by the FDCPA. According to 15 USC 1692c, you are prohibited from contacting me further if I provide written notification that I refuse to pay the debt or that I wish to cease further communication.

For your reference, the relevant section of 15 USC 1692c states : " ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. '' In addition, I am requesting that you validate this debt, including but not limited to : The name and address of the original creditor. 
The amount of the debt. 
A copy of any judgment, if applicable. 
Proof that I owe the debt in question. 
Please send the requested documentation to my address listed above within 30 days from the receipt of this letter. 

Furthermore, any failure to comply with the above request will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further action. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief