vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unauthorized hard inquiries.

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 2023-11-06 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, XXXX DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : 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 2023-11-06 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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : 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 2023-11-06 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: MI

Complaint narrative:
Unauthorized hard inquiries.

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 2023-11-06 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: MI

Complaint narrative:
Unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
A debt of {$820.00} has been listed with the collection agency XXXX for the company XXXX. I have requested a notification of debt twice with no response from them. They never notified me of placing me into collections by phone call, email, or letter. I found out I was placed in collections after I made a phone call to them to verify my line of credit for a purchase. Now, on XX/XX/ I received an email notifying me that this debt of {$820.00} was sold to another collection agency : Atlantic Recovery Solutions as a sneaky way to avoid my requests. 
Collectors can not report a debt to a credit bureau before they contact me. Rather than XXXX verifying the information of this debt they sold this to another company as a passive collection tactic! Regulation F prohibits this, collectors have to contact me before they place an account on my credit report. I made payments up to the time when I placed a call to this company. I demand a letter that verifies the date this account was opened, the payments made, the day I was placed in collections, and why. Otherwise, please remove the account from my credit report as a violation of Regulation F. The information collectors must supply to debtors can only come from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06 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: NC

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: GA

Complaint narrative:
I have reach out to equifax and XXXX  amounts of times reminding them that per the fcra fair credit reporting act any items on my credit report such as the XXXX inquiries on equifax and the XXXX inquiries on XXXX must be removed if unverified or unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-06 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX, I initiated the debt validation process by sending my initial request via regular mail to LVNV Funding LLC XXXX Subsequently, I sent two additional debt validation requests via USPS Certified Mail with Return Receipt Requested, each with a unique mailing request number. The tracking numbers for these certified mailings are as follows : USPS Certified Mail Mailing Request # XXXX USPS Certified Mail Mailing Request # XXXX As per the FDCPA, LVNV Funding LLC is legally obligated to respond to my requests for debt validation within 30 days of receipt of the request. However, I have not received any proper validation of the debt in question or any response from LVNV Funding LLC. This lack of response is in direct violation of my rights as a consumer and my rights under the FDCPA. 

I would like to remind you that the FDCPA requires debt collectors to provide verification of the debt and the name and address of the original creditor upon request. It is disheartening to note that LVNV Funding LLC has not complied with this statutory obligation, and as a result, I am left with significant concerns about the validity of the debt in question. 

I am now left with no choice but to report this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. The CFPB is responsible for ensuring that debt collection agencies comply with the FDCPA, and I believe it is necessary to involve them in this matter to address these violations promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Won a lawsuit against XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. MI XXXX in the amount of {$5.00}, XXXX for destroying my driveway. They did not pay, On XX/XX/XXXX XXXX  a request for WRIT FOR GARNISHMENT was filed with XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX against 5TH THIRD BANK, XXXX XXXX XXXX XXXX MI XXXX. I Received notice from the court on XX/XX/ that XXXX XXXX XXXX had " NO OPEN ACCOUNTS '' with Fifth third. I run a small landscaping company and at one time acctually bought Mulch from XXXX, I have two cancelled checks payable to XXXX drawn on Fifth third I used to pay for this mulch, made in the order of " pay t o the order of '' XXXX XXXX, I feel more investigation may be due, is some one twisting words, and XXXX is running over more people in our town as I am not the first this has happened to. They also hold a lot of monies witch could possible sway decisions. 

The bank Representative was XXXX XXXX LEGAL OPS. SPECIALIST FIFTH THIRD BANK, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
In XX/XX/2022 I was doing a monthly balancing of my checking accounts when I noticed a strange withdrawal from XXXX of the accounts. The amount was for a little over {$300.00} and when I looked at the available information on the bank 's website, I knew immediately that this was not a withdrawal I had authorized. So, I quickly called the bank to let them know that I had been a victim of fraud. Over the course of the phone call with the fraud department I learned that because of this withdrawal the bank would be freezing my account and I would have no access to any of the funds in the account ( over $ XXXX at the time ) unless I visited a branch. I panicked because all the funds in that account were there to pay for my family 's bills including my mortgage and not having access to the funds would me we wouldn't be able to pay for anything. I explained to the kind representative that I live in XXXX  and that the bank 's closest branch was a XXXX XXXX XXXX from my home. At XXXX XXXX of this phone call, I had been living in Georgia for almost 9 years and had the bank account over 15 years. I'm not sure what the representative was able to do, but they gave me a XXXX second window to quickly transfer funds from the account to my savings account. Unfortunately, I had funds that were in the process of being withdrawn and deposited that were returned or deposited into the frozen account after I ended the call with the representative. Over the course of the last 15 months, I have spoken with the bank multiple times asking if there was anything I could do to gain access to the money that is now stuck in there ( over $ XXXX ) short of having to take time off work and pay to travel to a branch. I offered to send them notarized proof of my identity. Each time I was told nothing else was possible. Then, about XXXX months after the incident, a representative told me that after 1 year had passed, the account funds in the account would be sent to the state ( XXXX  ) as unclaimed funds and I could use the state 's retrieval process for unclaimed funds to request my money. I waited and once the 1 year mark had passed and the account remained open I called again. This time, I was told that the information I had been given was incorrect and the account would remain open until I visited a branch to close it. Again, I told them I do not live close to a branch and that I haven't for years. Finally, after speaking to multiple people, I was told that I could, in fact, send in a notarized letter requesting my account be closed. I have done this. It has been months and the account remains open and no one can give me information on whether the notarized letter has been received or if they will honor my request. This entire incident makes me wish I had never made that call about the {$300.00} fradulent charge and had just taken the loss. It has been a horrific customer experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I received notification from Portfolio Recovery Associates, they claim I owed a debt to XXXX XXXX. I have sent three certified letters and they have signed the return receipts, requesting my signed original contract and proof of their license to do debt collection in Virginia. 

They told me that my request was " frivolous '' and they on their end, have proved " validity '' of the debt. They have not provided me that validity nor the signed original contract or proof of the license to collect in Virginia. 

They have now added a collection to my credit report without any further contact and I believe that is illegal under the XXXX in Virginia. Again, I sent XXXX certified letters requesting the information to validate the debt and not once have they sent the signed original contract or the proof of their license to collect in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : 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 2023-11-06 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: NC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: NC

Complaint narrative:
Regardless of multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information, as willful negligence and non-compliance with federal statues. Please remove the following inquiries completely from my credit reports. 
XXXX Inquiry Date XX/XX/XXXXXXXX  AUTOMOTIVE Inquiry Date XX/XX/XXXX, AUTOMOTIVE Inquiry Date XX/XX/XXXXXXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XX/XX/XXXXXXXX

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 2023-11-06 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief