vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the collection account XXXX account that was recently verified as accurate on my credit report. This letter serves as notice that I consider this account to be erroneous and misleading under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation into disputes. Your verification of this collection account is unacceptable as I have not received valid evidence supporting its legitimacy. The original creditor has failed to provide documentation proving that this debt is mine, which constitutes a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Furthermore, I would like to remind you that failure to comply with these laws may result in legal action against TransUnion. Under 15 U.S.C. 1681n, I may seek damages for any willful noncompliance, and under 15 U.S.C. 1681o, I may pursue damages for negligent noncompliance.

I demand that you perform a thorough re-investigation of this account. If you can not provide sufficient evidence to validate this debt, I require that it be removed from my credit report immediately. I also expect a written response detailing the outcome of your investigation within 30 days of receipt of this letter. Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for additional complaint and the Federal Trade Commission ( FTC ) if necessary. I will not hesitate to pursue all available legal remedies to protect my rights.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX social Security 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 2024-10-16 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.

Complaint narrative:
On XXXXXXXX XXXX XXXX, I sent a letter to Equifax Information Services, LLC, XXXX XXXX XXXX, XXXX, GA XXXX informing them that my mother had died and requested a Death Notice be placed on her account so that no one could get credit in her name or steal her identity and to notify the other credit bureaus to do likewise. I sent the letter to the address in their recorded message for requesting a Death Notice, and included all requested information ( my mother 's name, Social Security number, Date of Birth, Date of Death, and last address ) along with an original Death Certificate. I explained that since my mother did not own any real property that her Will was not probated and therefore I did not have Letters Testamentary. 

I received a reply from Equifax on XXXXXXXX XXXX XXXX requesting that I send the Death Certificate to Equifax Information Services at XXXX XXXX XXXX, XXXX, GA XXXX. 

I sent another letter to Equifax Information Services at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX, 2024, requesting that they place a Death Notice on my mother 's account and included another original Death Certificate. 

I received a reply dated XXXX XXXX, XXXX  stating that in order to add a Death Notice, to send a Death Certificate to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX ( which I had already done on XXXXXXXX XXXX XXXX XXXX. 

On XX/XX/scrub>XXXX XXXX XXXX I called Equifax at XXXX ( the phone number in their letters to me ) and spoke with XXXX who told me to send a Death Certificate to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. I explained that I had already done so on XXXXXXXX XXXX XXXX XXXXXXXX was not able to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm reviewing my Equifax credit report and looks like there's unauthorized hard inquiries. 
XXXX XXXX  Date of Inquiry : XX/XX/year> Business Type : All Banks XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Business Type : All Banks XXXX XXXX Date of Inquiry : XX/XX/year> Business Type : All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
Kindly remove these addresses I will provide my documents to verify my address. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only address I have is XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX The only name that should be reporting on the file is XXXX XXXX XXXX - remove any other names that isn't my name.

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 2024-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I was divorced in XX/XX/XXXX. My ex-husband and I had jointly financed a XXXX XXXX XXXX through PNC Bank. In the divorce he was given the XXXX and all financial debts linked to it. 
After I received a copy of the court order that the XXXX was to be the sole responsibility of my ex-husband I began to get notices of missed payments. Not knowing what else to do, I immediately took a copy of the court order to my local PNC branch and attempted to show them that I should be taken off the loan. This occurred multiple times. Every single time I went to a branch I was told they would not help me. 
On XX/XX/XXXX I received notice that the bank had foreclosed on the loan due to non-payment. All throughout this I tried to contact my former husband who was nonresponsive. Then in XX/XX/XXXX I received a notice of the plan to sell the XXXX at a public sale. The balance of the loan was a little over {$41000.00} and PNC sold the XXXX for a little more than {$23000.00}, leaving a balance of {$18000.00} that my former husband owed. I received the notice of this balance in XX/XX/XXXX. 
After several attempts to get help from PNC I finally found an attorney who was willing to help me for free because he was a member of my church. PNC at first took him seriously. In XXXX he began corresponding with different individuals at PNC until he worked his way to XXXX XXXX, and executive client relations specialist. 
In early XXXX I received a notice from PNC that they would settle the debt for approximately {$5500.00}. 
The attorney spoke with XXXX and she stated that there was nothing that PNC could do to help because I did not tell PNC that I was supposed to be taken off the loan before they foreclosed on it ( which is patently false. ) He then asked her about potentially discussing different settlement options. She said she would reach out to the settlement department and reach back out with what settlement could do. That was in early XXXX. The attorney reached out four or five times since that and has gotten absolutely no response. 
The last thing that happened he called and left a voicemail and the message said his call would be returned within 24 hours. When it was not he sent an email informing them that due to their failure to respond to any and all contact, that they misrepresented themselves, and have purposefully tried not to send us in the right direction that I would be reporting to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX is an 3rd party debt collection agency who is reporting false information on my credit report I kindly request the assignment contracts to verify information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I placed a fraud dispute on XX/XX/year> for XXXX unauthorized transactions from XXXX  on my account. The transaction amounts and dates are listed below. 

XX/XX/year> XXXX {$29000.00} XX/XX/year> XXXX {$29000.00} This dispute was resolved in my favor on XX/XX/year>. 

I was credited back for part of the first transaction on XX/XX/XXXX in the amount of {$27000.00}. However the remaining balance in the amount of {$29000.00} was not credited back to me. I was told i was going to receive a check in this amount because the account was closed and capital one placed a " XXXX XXXX '' on the account in the amount of {$29000.00} to put the card balance at {$0.00}. Instead of putting the credit on the card they put the balance at {$0.00} and explicitly informed me over the phone that " a check was being mailed out to me and this is why we took the credit off your account because it is a closed account and the positive balance couldn't be used on the card. '' This amount was owed to me and after about XXXX  months of waiting I have not received my check. I have called into capital one XXXX separate times receiving the same response of either " Your check is being mailed to you and will arrive by the end of this week '' or " The check hasn't been mailed, I will submit a message to the account supervisor to check in on the status of this. '' I have submitted a dispute with my bank XXXX XXXX for this transaction XXXX  days ago as it is very apparent that I will not be receiving the check from Capital One. I also called into XXXX which was the company in which the fraudulent transactions were made and they informed me that they do not have the funds either for this transaction. So at this point, Capital One is holding the funds and neither parties " myself or cardcash '' have the funds totalling in the amount of {$29000.00}. 

I am going to need this check mailed out to me asap. Along with confirmation & proof of the check being mailed in order to close out this dispute with my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-16 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: LJ Ross Associates
State: OH

Complaint narrative:
On XX/XX/year>, I received a letter from XXXXXXXX XXXX XXXX XXXX informing me that my personal data had been breached. There's no telling when this breach first occurred but as a result my name, social security number and address were compromised. On XX/XX/year> I noticed the following fraudulent account on my XXXX credit report ; ( L J Ross Associates INC. XXXX XXXX XXXX XXXX XXXX filed an Identity Theft Report with the FTC and forwarded this report to XXXX and L J Ross Associates INCXXXX XXXX XXXX XXXX  on XXXX making them aware of this fraudulent activity. I asked them to immediately remove this account from my credit report under the Fair Credit Reporting Act ( FCRA ) and also under 18 U.S. Code 1341 ( Frauds and Swindles ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 non-monetary relief
Consumer complaint received 2024-10-16 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-10-16 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: GA

Complaint narrative:
Urgent Dispute Removal of XXXX XXXX XXXX and Rent-to-Income Inaccuracies To Whom It May Concern, This letter serves as an immediate dispute regarding inaccurate information currently being reported by XXXX and XXXX on my consumer file. I am requesting that you correct and remove the following errors within 48 hours of receipt of this letter : 1. XXXX XXXX Balance : Your records inaccurately list a balance from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX. I do not owe any balance to XXXX XXXX, and this incorrect information is negatively impacting my ability to secure housing. I demand the immediate removal of this erroneous balance. 
2. Rent-to-Income Data : Your report contains an inaccurate rent-to-income ratio. This data is not a true reflection of my income, and it is absolutely unacceptable that you are misrepresenting my financial situation. How can you determine my income better than I can? This false information is preventing me from getting approved for housing, and I demand it be removed or corrected immediately. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally required to report accurate and fair information. Specifically, Section 611 of the FCRA mandates that consumers have the right to dispute any inaccurate information, and your organization must investigate and resolve such disputes within 30 days. However, due to the serious nature of these errors and their impact on my housing applications, I am demanding these inaccuracies be corrected within 48 hours.

Additionally, Section 605 of the FCRA ( 15 U.S.C. 1681c ) prohibits the continued reporting of incomplete or inaccurate information, especially when it affects a consumers ability to obtain housing or credit.

Immediate Action Requested : Remove the inaccurate XXXX XXXX balance from my records. 
Remove or correct the false rent-to-income ratio from my file. 
Provide written confirmation that these corrections have been made and supply me with an updated copy of my report once the errors are removed. 

If this issue is not resolved within 48 hours, I will have no choice but to pursue further legal action to enforce my rights under federal law, including seeking damages for the financial and emotional harm caused by these inaccuracies. 

Please confirm receipt of this dispute and update me on the status of the resolution as soon as possible. I expect to receive an updated and corrected report promptly once these issues are addressed. 

Thank you for your immediate 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed some billing errors on my credit report, specifically showing late payments that don't match my regular history. Please fix these mistakes and update my account. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
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 TX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and 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 to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for 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 USC 1666b ( 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation