vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a debt collection letter from you. 
Do you have the right person? 
Can you supply me with a contract or agreement signed with your company or the Creditor? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Thank youfor your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number # XXXX I am writing to formally dispute the above-referenced account in my credit report, which has been reported as Verified. I firmly believe that the account is inaccurate and requires immediate investigation and deletion, if necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have requested that the send me of they were able to verify that this account belongs to me, and how it was accurate. The bureaus Equifax, XXXX, and XXXX have yet to deliver the information that I requested. 


As per the FCRA, 15 U.S.C. 1681i, the credit reporting agencies have the obligation to conduct a reasonable investigation into the disputed information within XXXX  days of receiving the dispute. Additionally, under the FDCPA, 15 U.S.C. 1692g, I have the right to request validation of the debt, which should include verification of the original creditor, the amount owed, and the date the debt was incurred. 

This debt is not mine and I have no contract with this company, and they have not provided any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Account Number # XXXX I am writing to formally dispute the above-referenced account in my credit report, which has been reported as Verified. I firmly believe that the account is inaccurate and requires immediate investigation and deletion, if necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have requested that the send me of they were able to verify that this account belongs to me, and how it was accurate. The bureaus XXXX, XXXX, and Experian have yet to deliver the information that I requested. 


As per the FCRA, 15 U.S.C. 1681i, the credit reporting agencies have the obligation to conduct a reasonable investigation into the disputed information within 30 days of receiving the dispute. Additionally, under the FDCPA, 15 U.S.C. 1692g, I have the right to request validation of the debt, which should include verification of the original creditor, the amount owed, and the date the debt was incurred. 

This debt is not mine and I have no contract with this company, and they have not provided any proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Dear XXXX Account Security Team, I am writing to formally dispute the account numbered XXXX, which has been attributed to my name fraudulently. I did not open this account, and I believe I am a victim of identity theft. I request immediate investigation and removal of this account from my record, as it was opened and used without my authorization. 

To support my claim, I am including the following documentation : Copy of Government-Issued ID - To verify my identity. 
Proof of Address - Showing my address at the time this account was allegedly created. 
Police Report - Reporting the identity theft incident, including reference to this XXXX account. 
Please cease any collection efforts on this account, as I am not responsible for any charges associated with it. Additionally, if this account has been reported to any credit bureau, I request that XXXX immediately correct the information with each bureau and remove any derogatory remarks related to this fraudulent account. 

I would appreciate it if you could provide a confirmation of your investigation and the resolution regarding this matter. Please send your response to my contact information below. 

Thank you for your attention to this urgent matter. I look forward to resolving this dispute swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Ive been charged for an apartment I never had nor never agreed to gets someone stole my identity and when I found out I reported it right away. XXXX XXXX was responsible for my identity theft and I have reported this multiple times. I have a credit score of XXXX and never had a collection in my life I take my finances extremely serious please help me get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These errors include accounts Ive already paid off marked as unpaid and a few accounts that I dont recognize at all. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX TRANSUNION 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 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 payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: CA

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 INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-08 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:
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 INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Collection/Charge Off : XXXX  XXXX XX/XX/XXXX {$2300.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a recent data breach, and the account listed below was opened without my authorization. 
Account to Be Blocked and Deleted : 1. UNAUTHORIZED COLLECTION o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$1400.00}

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 2024-11-08 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:
Dear Sir/Madam, I am writing to formally complain about TransUnion, XXXX, and XXXX 's repeated failure to process multiple mail-in disputes I have submitted since XX/XX/year>. Despite providing all necessary identification and documentation, TransUnion has consistently cited verification issues without specifying any additional documents required to complete the verification process. 

Background : Dispute Submissions : Beginning in XX/XX/year>, I have mailed several dispute letters to TransUnion, XXXX, and XXXX in 40-day increments, each accompanied by copies of my government-issued identification, Social S

ecurity card, and proof of address. Credit Bureau Response : In each instance, the cred
it bureaus responded by stating that they could not process my disputes due to verification issues. However, they have not requested any specific additional documents or provided guidance on how to resolve these purported verification problems. 

Applicable Fair Credit Reporting Act ( FCRA ) Violations : These automated responses appear to violate several provisions of the FCRA, including but not limited to the following : Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) ) : The FCRA mandates that upon receiving a dispute from a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. TransUnion, XXXX, and XXXX 's refusal to process my disputes without adequate explanation or guidance fails to meet this obligation. 
XXXX XXXX XXXX XXXX to Provide Notice of Dispute to Furnishers ( 611 ( a ) ( 2 ) ) : The FCRA requires that a credit reporting agency notify the furnisher of the disputed information within five business days of receiving the dispute. By not processing my disputes, TransUnion, XXXX, and XXXX have neglected this duty. 
XXXX XXXX XXXX XXXX to Review and Consider All Relevant Information ( 611 ( a ) ( 4 ) ) : The FCRA obligates credit reporting agencies to review and consider all relevant information provided by the consumer in the dispute process. Despite the comprehensive documentation provided, TransUnion, XXXX, and XXXX 's blanket refusal to process my disputes indicates a failure to comply with this requirement. 
XXXX XXXX XXXX Request for Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate the handling of my disputes and take appropriate action to ensure compliance with the FCRA. Additionally, I seek guidance on how to proceed with my disputes to ensure they are processed in a timely and fair manner. 

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

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 non-monetary relief
Consumer complaint received 2024-11-08 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 writing to inform you that I have recently become a victim of identity theft due to a data breach. As a result, fraudulent information, including a bankruptcy record and several unauthorized credit inquiries, has been added to my credit report without my consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent entries from my credit file. 
Fraudulent Bankruptcy Record : 1. Bankruptcy o Case Number : XXXX o Filing Date : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries : 1. XXXX XXXX o Date of Inquiry : XX/XX/XXXX 2. XXXX XXXX  o Date of XXXX : XX/XX/XXXX 3. XXXX XXXX o Date of Inquiry : XX/XX/XXXX 4. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX  o Date of XXXX : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX 7. XXXX XXXX o Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a " XXXX '' credit card from Capital One Bank. Listed on this site are the Capital One " XXXX '' benifits. ( XXXX XXXX XXXX ) XXXX of the listed benifits is a extended warranty coverage extending the manufacturers warranty for an additional year. 
I have attempted to use this extended warranty coverage for a product purchased on XX/XX/year>. 
Capital One has refused to honor this listed benifit. 
The reason they have cited is that the card is being upgraded. They state I currently have a visa platinum and it is being upgraded to a visa signature. They have refused to provide the visa platinum guide to benefits. However, they have refused to provide a timeline for when this will occur. This leaves me without the ability to use the extended warranty my card should cover and having used the card to make large purchases with that belief. 
Consumers are making purchases on this card with the belief that Capital One will honor their benifits, when this is not true.

Company response to consumer: Closed with explanation