vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
Worked with the company from XXXX. 
I paid for monthly services on top of hidden fees. 
The company removed items from my credit but after a few months the items would land back on my credit. 

When tried to cancel services unable to reach representatives. 

Very terrible service, and I would not recommend. 

I also asked to be removed from their mailing address and I still receive multiple emails frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$19000.00} Collection

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Subject : Complaint Against Resurgent Capital Services for FDCPA Violations and Failure to Validate Debt Details of the Complaint : 1. Background : I am filing this complaint regarding Resurgent Capital Services failure to provide proper validation of a debt they claim I owe under Account Number XXXX. I have repeatedly requested debt validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), but the company has failed to provide sufficient and legally required documentation to substantiate the debt. 

- On XX/XX/year>, I sent a formal request for debt validation. 
- On XX/XX/year>, I received an incomplete response that failed to include : - An agreement with the original creditor authorizing Resurgent Capital Services to collect on the alleged debt. 
- A signed agreement bearing my name as the alleged debtor. 
- A complete accounting or itemization of the alleged debt. 
- Any documentation proving my obligation to pay. 

Additionally, I requested verification of Resurgent Capital Services acquisition of the debt, including a complete chain of title and proof that the debt was acquired lawfully. This documentation was also not provided. 

2. Follow-Up : On XX/XX/year>, I sent a second letter reiterating my demand for proper validation and informing Resurgent Capital Services that they were in violation of the FDCPA. To date, I have not received an adequate response.

3. Violations of Federal Law : Resurgent Capital Services has violated the following : - 15 U.S.C. 1692g ( b ) : Failing to provide proper debt validation within the legally mandated timeframe.

- 15 U.S.C. 1692e ( 8 ) : Continuing to report unverified information to credit reporting agencies. 

These violations have caused undue stress and potential damage to my creditworthiness. 

4. Requested Resolution : I respectfully request that the CFPB investigate Resurgent Capital Services actions and hold them accountable for their failure to comply with the FDCPA. Specifically, I request that : - Resurgent Capital Services be required to provide full validation of the alleged debt or cease all collection activities.

- All inaccurate or unverifiable reporting related to this debt be removed from my credit file.

- The CFPB ensure Resurgents compliance with federal laws to prevent future violations. 

Supporting Documentation : I have attached the following to support my complaint : - Copies of my debt validation letters ( dated XX/XX/year>, and XX/XX/year> ). 
- Resurgent Capital Services incomplete response ( dated XX/XX/year> ). 
- Certified mail receipts and tracking information for my communications. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denied/Did not approve for a line of credit due to a report provide by : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Defendant DISCOVER requested my personal information including Social Security Number to process my application Defendant XXXX provided Unverified, Unauthenticated, Inaccurate information concerning me to DISCOVER PURSUANT TO 15 USC 1691 determines that it is Unlawful for any creditor to discriminate against ANY applicant for ANY reason ( including alleged bad credit ) It is illegal to be denied funding 18 USC 894 Collections of extensions of credit by extortionate means, whoever knowingly participates in anyway or conspires to do so in the use of any extortionate means. 1 ) to collect or attempts to collect an extension of credit or to punish any person/natural person/agent/beneficiary for the non repayment thereof SHALL BE FINED UNDER THIS TITLE OR IMPRISONED not more the 20 years or both.

( No written permission was ever granted ) The corporations are " teaming up to con-spire against me.

other violations of this credit decision/denial / conspiracy include TILA 15 USC 1602 ( g ) TILA 15 1602 ( l ) Equal " credit '' opportunity Act These corporations ran my social security number without first having me fill out and sign a Ssa89 Form According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission.

Pursuant FCRA Section 611 ( A ) ( 1 ) if " creditors/credit bureaus/CRA 's '' fail to respond to written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) I have yet to receive any response/reply's/notification/changes to or on my report regarding all of these disputes I have mailed/ filed and disputed. this is a {$1000.00} Violation Pursuant FCRA Section 623 I have disputed all of these debts and they have failed to report them as disputed to the CRA 's this also is a 1,000.00 Violation Pursuant FCRA Part ( A
) ( 5 ) ( B ) ( ii ) The Credit Bureaus " XXXX '' has reinserted a removed item from my credit report without notifying me in writing within 5 business days ( incident happened numerous times ) This is also a 1,000.00 Violation I will consider filling out a Fraud Affidavit if these unverified, unauthenticated, and seek compensation for damages and violations if corrections are not made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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 provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C.

1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : :

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 2024-12-29 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: OH

Complaint narrative:
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 provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C.

1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: MS

Complaint narrative:
They have contacted me on from XX/XX/year> to XX/XX/year> numerous of times and I've requested a XXXX due to it stating charged XXXX off. They keep stating that it is not in collection every time I request it. I am writing to formally dispute the reporting of canceled debt related to my account with your institution. I believe that this matter has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX  XXXX ( XXXX ) ( B ), which requires the maintenance of accurate and complete information in consumer reports. 

It has come to my attention that [ describe the issue, e.g., a canceled debt has been reported inaccurately or without the issuance of a Form XXXX as required by the XXXX XXXX XXXX To resolve this matter, I request that you provide the following : A copy of Form XXXX related to the alleged canceled debt, in compliance with XXXX  requirements XXXX 
Documentation verifying the accuracy of the reporting of this debt, including the date of cancellation, amount, and applicable details. 
Immediate correction or removal of inaccurate information from my credit file, if applicable. 
Under XXXX XXXX. XXXX ( XXXX ) ( B ), you are obligated to ensure that all information you report is accurate and up to date. Failure to do so may result in further action to protect my rights under federal law. 

I request a written response to this dispute within XXXX  days, as provided by the FCRA. If this issue is not resolved to my satisfaction, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal advice. 

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 2024-12-29 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:
In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> Subject : Dispute Regarding Charged-Off Account and Request for 1099-C Form Dear CFPB Dispute Department, I am writing to dispute the reporting of a charged-off account on my credit report under 15 U.S. Code 1681i, which mandates the proper investigation and verification of reported information. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Charged-off account inaccurately reported As you may be aware, a charged-off account is considered taxable income by the IRS, and I am required to report this on my tax return. According to IRS regulations, creditors are required to issue a 1099-C form for cancellation of debt when the amount exceeds {$600.00}.

To ensure accurate reporting on my end, I kindly request that XXXX XXXX XXXX XXXX issue and send the required 1099-C form to my address listed below.

Additionally, I request that all 3 credit bureaus investigate this account for accuracy. If it can not be fully verified as compliant with all applicable laws, I request its immediate removal from my credit report. 
Please confirm receipt of this letter and provide me with updates regarding the investigation and removal process, as well as confirmation from XXXX XXXX XXXX XXXX regarding the issuance of the 1099-C form. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-12-29 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:
This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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 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 identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

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 2024-12-29 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: NE

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-12-29 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Ok it started with XX/XX/XXXX at XXXX XXXX  they took XXXX XXXX XXXX XXXX at XXXX XXXX. they took XXXX XXXX XXXX XXXX at XXXX XXXX  they took XXXX $ XXXX at XXXX they took XXXX $ XXXX XXXX they took another XXXX $ and finally the one that XXXXXXXX XXXX XXXX  back XXXX at XXXX they took XXXX from my account and I made sure my card was locked and my virtual card that was connected to my cheeking I made sure that was froze so I'm really devastated and confused on how and why and how chime can keep allowing this to happen. I been out my deputes in and they never give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
My name, address and employment of my report are incorrect! I've reached out over and over to get this issue resolved. There are also accounts on my consumer report that do not belong to me! This is all in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: IN

Complaint narrative:
My name, address and employment of my report are incorrect! I've reached out over and over to get this issue resolved. There are also accounts on my consumer report that do not belong to me! This is all in violation of my rights.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Inaccuracies INQUIRIES needs to be deleted Also inaccurate personal address needs to be deleted and add the correct address.

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 2024-12-29 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I do not recognize how this account is reporting on my credit report. I don't recognize the account number, account status, nor do I recognize the account balance. This account being reported does not meet the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed Immediately. 

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 non-monetary relief