vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Subject : CFPB Complaint Regarding Continuous Contact and Request for Forensic Audit To Whom It May Concern, I am submitting this formal complaint against [ Debt Collector 's Name or Accord Debt Collectors ] regarding their continuous and unlawful contact concerning the debts in question. Despite my requests for cessation of communication, I continue to receive unsolicited correspondence from them. This ongoing contact violates several laws, including : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : The FDCPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 
Michigan Compiled Laws ( MCL ) 445.251 et seq. : These laws specifically govern debt collection practices in Michigan, providing protections against abusive or deceptive practices. 
Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 et seq. ) : This Act aims to ensure that consumers are treated fairly and that they have access to information regarding their debts.

Additionally, I request a forensic audit of the transactions related to these debts, along with the release of information regarding any insurance claims or bonds filed to cover these debts. I also seek clarification on whether any UCC claims have been filed to establish ownership of the debt.

My UCC filing and Security Agreement cover all future debt obligations as described in the UCC collateral provisions. Therefore, I respectfully demand that the debt collector refrain from any further communication with me, as such contact may constitute legal trespass and could lead to equitable remedies regarding the charges in question.

Furthermore, I require disclosure of the insurance company involved, as well as any claims that may have been filed against said policy.

Please ensure that this complaint is addressed promptly and in compliance with the relevant federal and state laws. Thank you for your attention to this matter, and I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am contacting you regarding a serious privacy concern. I did not authorize this information to appear on my credit report, and your inclusion of it is a clear violation of my rights. This unauthorized reporting is damaging my credit score and unfairly harming my reputation. Its also resulting in my new credit applications being denied, creating significant and unnecessary hardship in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year> @ precisely XXXX I spoke with customer service representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who state that account number ( XXXX {$72.00} ) ( XXXX {$28.00} ) had been transferred to Resurgent Capital Service XXXX XXXX XXXX XXXX XXXX XXXX SC. XXXX. However, this account is reflected to be reported by XXXX XXXX even though they are no longer the original debt holder and the account has been charged off and written off. This can not be so, I have reported this issue with both XXXX and XXXX over seven different times yet they have ignored my request as well as a DEBT DISCLOSURE STATEMENT, sent on XX/XX/year> via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in which they failed to respond in the 10 days required on the affidavit or provide the requested information. 

On XX/XX/year> at precisely XXXXXXXX XXXX I spoke with XXXX at Resurgent Capital Services, who informed me that my balance for account account ending in XXXX was in fact {$72.00} and balance for account ending in XXXX is XXXX, making the information reported to the bureaus inaccuarate, by law all information must be reported correctly and accurately. Also both accounts numbers are reported as XXXX for both accounts, this can not be so this information is incorrect and invalid. 

By law the FCRA requires that industry to report consumer credit information in a fair, timely and accurate manner. The Fair Credit Reporting Act Title VI clearly states that " Companies that provide information to consumer reporting agencies also have specific legal obligations to record with accuracy and to investigate any disputed information. Which both XXXX and XXXX have failed to do. 

I demand that these accounts be removed from my credit report due to the inaccuracy of the debt reporting agency, incorrect balance, and incorrect account number listed. This can not be so. This company is causing me great damages and hardships in my life and will result in a law suit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank is showing 5 late payments on my credit report from almost 7 years ago. I never had a PNC Bank credit card, and i've been trying to get these off for 7 years as it ruined my credit and caused a lot of financial distress. i'd like these late payments removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of identity theft. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which mandates the removal of fraudulent accounts resulting from identity theft upon consumer request.

The fraudulent inquiries are as follows XXXX XXXX XXXX XXXX Inquiry dated XX/XX/year> XXXX Inquiry dated XX/XX/year>

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 2024-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
The spokesperson for the credit card sold me on a different promotional plan than what it actually was. Anytime I brought this up I was treated as if that was an impossible scenario, & completely disregarded. They didnt ask me how it could have happened, and did not even give me a second to explain the situation. They have yet to ask me for any form of proof from my end about whats going on. The spokesperson who sold me on their credit card explained to me that it was not a credit card. Everything I have & everything Ive said makes perfect sense when you look at what I have. Ive never not paid a bill, Ive never had a late fee applied to my account, & my credit has never been bad. This company scammed me into signing on to their credit card & then when the promotional plan ended they expected me to follow through with their deal, which was never gone over with me. The deal that was explained to me is that I was on a 12 month promotional period of paying {$30.00} a month, then after the 12 months the real payments towards the bill would be deducted automatically ( I was set on autopay ). They never said that after 12 months I would start receiving late fees & interest fees. That was NEVER mentioned, & I 100 % asked multiple times before signing on, because I was confused on how they make their money. The spokesman for them literally told me that after the 12 months the normal payments would adjust & I shouldnt have to do anything since I was on the autopay. If you check my record, nothing like this has ever happened before, ever.

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 2024-11-01 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-01 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cau
se to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-01 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: NC

Complaint narrative:
I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with XXXX XXXX standards and the Fair Credit Reporting Act ( FCRA ). 
Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX Reporting Agencies : XXXX, XXXX, TransUnion Violations Identified : 1. Inconsistent Reporting of Balance and Status XXXX XXXX shows a balance of {$0.00}, while TransUnion reports {$120.00} owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols.

2. Non-Uniform Reporting of Late Payments o The account shows 30-day late payment markers inconsistently across bureaus.

These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information.

3. Incorrect Comments and Status o TransUnion has marked this account with a comment indicating " Dispute Resolved - Reported by Grantor, '' while XXXX lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623.

4. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within 30 days of receipt of this letter, you : 1. Rectify and synchronize the account balances and late payment records across all reporting bureaus.

2. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated. 
XXXX. Ensure that all comments and account statuses are consistent across XXXX, XXXX, and TransUnion. 
XXXX. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
Ive disputed with all three credit reporting agencies that the students loans with XXXX and Mohela are duplicate. They are also reporting that I was late, when I was always kept in forbearance. In my three reports there is no contact number for XXXX to dispute the late payments. Im frustrated with this issue as Ive tried to purchase a home and have been turned away due to low credit score. Im approved now however, there are 14 accounts that showed late payments which is affecting my score greatly! I was one of the students who was kept in Forbearance, the loans were removed for 8mths, and now they are back on. I dont understand? Ive struggled for over 15years with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive disputed with all three credit reporting agencies that the students loans with XXXX and XXXX are duplicate. They are also reporting that I was late, when I was always kept in forbearance. In my three reports there is no contact number for XXXX to dispute the late payments. Im frustrated with this issue as Ive tried to purchase a home and have been turned away due to low credit score. Im approved now however, there are 14 accounts that showed late payments which is affecting my score greatly! I was one of the students who was kept in Forbearance, the loans were removed for 8mths, and now they are back on. I dont understand? Ive struggled for over 15years with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Them account from pentagon federal shouldnt be on my credit report and should be removed.

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 2024-11-01 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-01 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: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Franklin Financial  Corporation
State: TN

Complaint narrative:
I have a loan with Franklin Financial in XXXX XXXXIve used auto deduct for the loan.I will be making the last payment this month. The payoff is lower than the payment but they want to charge me the payment price.Its about XXXX dollars difference .I called the branch and was told they had installed a new system which doesn't accept the payoff amount so their beating me out of XXXX dollars. I'm not the only one they said. It's down right crooked and needs to be addressed. Thanks

Company response to consumer: Closed with explanation