vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: LA

Complaint narrative:
FTC Identity Theft Affidavit Example Text : I am filing this FTC Identity Theft Affidavit to report fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX {$9300.00} opened XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, TransUnion, XXXX What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, TransUnion, XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2024-11-14 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: MD

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has resulted in identity theft and the unauthorized opening of accounts in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$21000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX   o Balance : {$31000.00}

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 2024-11-14 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Complaint Summary : Failure to Validate Debt and Non-Compliance Account Number : XXXX Previous CFPB Complaint Reference : XXXX To Whom It May Concern : I am filing this formal complaint against LVNV Funding/Resurgent Capital Services due to their continued failure to provide proper validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), the Maryland Consumer Debt Collection Act ( MCDCA ), and the Fair Credit Reporting Act ( FCRA ). 

Despite my previous request ( CFPB Complaint Reference : XXXX ), LVNV Funding has failed to provide the required documentation to validate this debt, such as the original signed agreement or proof of consent to the transfer of this debt. This leaves the debt unenforceable and in direct violation of both federal and state law. 

Additionally, LVNV has unlawfully reported inaccurate information to consumer reporting agencies without my valid consent, in violation of the FCRA, and failed to provide documentation confirming the ownership transfer of the debt, which was charged off in XXXX  by the original creditor. 

As a result of these ongoing violations, I am seeking a remedy in the amount of {$23000.00}, which includes statutory damages for willful non-compliance under the FDCPA and FCRA, as well as damages for unauthorized reporting of my information. 

I am requesting the following : 1. Immediate cessation of all collection activity unless proper validation is provided, including the original signed agreement 2. Cease and desist sharing information about this debt with any consumer reporting agencies until the debt is properly validated.

3. Deletion of this account from all consumer reporting agencies due to the failure to validate the debt. 

Failure to address these violations will result in further legal actions, including filing complaints with the FTC, Maryland Attorney Generals Office, and/or civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed for XXXX XXXX  bankruptcy in XXXX of 2024. I have an auto loan with XXXX XXXX that was reaffirmed in the process. My bankruptcy was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with XXXX XXXX they deleted, not charge off or listed as resolved in the bankruptcy, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called XXXX XXXX and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the bankruptcy. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on earth. I never paid my loan late even before the bankruptcy. I was always current. I still am current. I only discharged credit card debt after a divorce. The car was never in danger of being late.

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 2024-11-14 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:
I filed for XXXX  XXXX bankruptcy in XXXX of 2024. I have an auto loan with XXXX XXXX that was reaffirmed in the process. My bankruptcy was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with XXXX XXXX they deleted, not charge off or listed as resolved in the bankruptcy, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called XXXX XXXX and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the bankruptcy. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on earth. I never paid my loan late even before the bankruptcy. I was always current. I still am current. I only discharged credit card debt after a divorce. The car was never in danger of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XXXX of 2024. I have an auto loan with XXXX XXXX that was reaffirmed in the process. My bankruptcy was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with XXXX XXXX they deleted, not charge off or listed as resolved in the bankruptcy, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called XXXX XXXX and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the bankruptcy. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on earth. I never paid my loan late even before the bankruptcy. I was always current. I still am current. I only discharged credit card debt after a divorce. The car was never in danger of being late.

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 2024-11-14 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: TX

Complaint narrative:
I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.

As you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. 

Despite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).

Provide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines. 

Correct my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. 

Ensure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. 

This issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.

Please acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.

As you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties.

Despite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).

Provide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines.

Correct my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. 

Ensure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. 

This issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.

Please acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.

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 2024-11-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted Equifax on XX/XX/year> and was notified that FTC Report Number XXXX was invalid by the mailing department. I have re-submitted another FTC report with complete information including account name, account number, and affidavit of statement with copy of drivers license and social security card to verify identity. I require equifax to block this information from my credit report within 4 business days of receipt from today XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Effective XX/XX/XXXX, the account was granted a total veteran exemption. I emailed over the document I received from XXXX XXXX XXXX XXXX XXXX. I thought things were resolved when I received an Escrow statement dated XX/XX/XXXX reflecting the correct property tax assessment. My relief was short lived because I then received a new notice with the property taxes added back. At this point I am very disappointed in Mr. Copper and feel like the company is using the relationship that it maintains with XXXX XXXX to charge me additional late fees and to keep my account in bad standing. If the escrow analysis reflected the true information, my payments would be lower and much more affordable. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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 2024-11-14 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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 2024-11-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX 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 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
On XX/XX/year>, I attempted to create a Zelle account using my legally owned phone number, ( XXXX ) XXXX. During the setup process, Zelles customer service informed me that an account already existed under my phone number. I explained that I am the current legal owner of this number and requested that the unauthorized account be removed so I could set up my own account. 

The Zelle representative confirmed my ownership by sending a verification code to my phone, which I successfully provided back to them. I was then assured that the unauthorized account was removed, but I continued to encounter issues when trying to create my account, and the unauthorized account remained active under my number. 

On XX/XX/year>, I called Zelle customer support again and was escalated to a service level 3 supervisor named XXXX. Despite my explanations, XXXX refused to provide further assistance, stating that the account linked to my number was created before I took ownership of it and could not be removed. He declined to accept my phone bills as proof of ownership and even refused to send a verification code to my phone, claiming it would only prove I have the customers phone hostage. This response prevented me from using Zelles services, leaving my number tied to an account I do not control. 


Supporting Documentation : I am prepared to provide any necessary documentation, including recent phone bills, to confirm my ownership of the phone number. 

Thank you for your attention to this matter. I hope for a prompt and fair resolution.

Company response to consumer: Closed with explanation