vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
My name is XXXX XXXX, a federal protected consumer me, and I am making this complaint against LVNV FUNDING LLC or committing identity theft. I have never given LVNV FUNDING LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with LVNV FUNDING LLC and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, giving LVNV FUNDING LLC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from LVNV FUNDING LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If LVNV FUNDING LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING LLC continue its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number be provided to me the consumer. Account number - XXXX, Reference ID : XXXX

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is : XXXX XXXX XXXX XXXX XXXX, NC XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2024-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was shocked to discover inaccurate accounts suddenly appearing on my credit report this morning. I have no idea why this happened, as everything was normal when I last checked. I tried refreshing the page, hoping it was just a browser glitch, but the errors persisted. Now I am left with questions and concerns about these inaccuracies.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port.

Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
On XX/XX/XXXX Honda Financial Services ( HFS ) agreed to withdraw one late payment that was reported in XXXX which I believe was in error. The XX/XX/XXXX late payment was promised to be removed from all the bureaus. It was not. Their agreement to remove this late reported payment was a lie. This is fraud. I am attaching their letter. I have asked yet again that they remove it and that a {$200.00} credit be issued to the principal balance of the loan. This is because the only insane number of times I have had no contact them to fix the smallest of issues. I am reporting this to other government agencies because I feel if I don't, they will not keep their word. I am only attaching one of the three bureaus report as they all show the same payment reported as late.

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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Since the collections company first showed up on my credit report earlier this year. There have been on about 6 or 7 known occasions that the collector has used deceptive and illegal business practices in order to purposely damage my credit. A based upon the imformation in XXXX, it been estimated due to the collection company 's actions has lowered my credit score over XXXX points. 

What they do is they would remove the collection account from my credit report, and then report the account as a XXXX collections acount. Attached to this complaint will be evidence from XXXX of XXXX to XXXX of XXXX. On dates between XX/XX/XXXX XXXX The collection account was removed by the furnisher and then the account was reported as a new collections account. They repeated furnishing this fraudulent information several times on XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and just recently XXXX XX/XX/XXXX. There are more times that this was done previously to XX/XX/XXXX going back to XXXX of XXXX. Sunrise Credit Services is the company responsible for these deceptive, fraudulent and illegal practices. The account was sold as a unpaid debt from XXXX XXXX XXXX ( XXXX ). The debt was never supposed to be put collections because the account is still active and I pay every month on the account. I hold both parties responsible for the damage done to my credit. Such extensive damage has resulted in many denials for credit such as personal loans, VA mortgage loan and applications for car loans.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello, I am contacting National Credit Systems regarding the documents for the alleged debt with XXXXXXXX XXXX XXXX XXXXXXXX. Please advise I see inaccuracies and you may want to run fast as this is in violation of my rights with the FCRA and I will escalate this and speak with a lawyer. The line item list you provided does not have my wet signature, I do not owe this property and no damages were made to the unit! Please advise that I have photos of the inside of the unit upon move out as well as communication from the property manager upon move out! I advise you to remove this immediately as I will be speaking with a lawyer and you don't want your name to pop up in this case!

Thank you!

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: BSI Financial Holdings, Inc.
State: AR

Complaint narrative:
I just won a judgment against XXXX XXXX. They were to correct to all credit reporting agencies to change the late payment in XX/XX/XXXX to not late. It was never late. This company also increased to loan balance when I first tried to refinance the house in XXXX. They increased the balance from {$240000.00} to over {$500000.00}. This was an effort to lower my credit score to enable me to refinance. I have proof ( screenshots ) of when they accelerated this debt in XXXX. When I contested this, the informed the credit agencies a have a balloon payment. I did not sign any balloon contracts. This is a conventional loan. To this day, BSI refuses the correct the reporting of this report. 

On XX/XX/XXXX, BSI purposely reported their attorney fees as late charges to harm my credit rating. Additionally, this cause a 30 day late payment. There was no reason to add their attorney fees to my credit because they lost in court this past XXXX and I was awarded my attorney fees to be paid by BSI. Once I requested a payoff on XX/XX/XXXX, they reported the false reporting of me being {$78000.00} past due on XX/XX/XXXX. 

I have submitted several times to all credit bureaus the judgment from the trial. Additionally, BSI is still reporting my balance due is over {$500000.00} and refuse to correct this for reporting reasons. 

I need BSI to correct all 30 day late on my credit. Correct the balance due on the loan It is not over {$500000.00}. They lost in court. The judge ruled against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> I received an email stating that my Chime account had been closed to do failed to comply with the terms of your deposit account agreement, I did not understand what this was about since I have never experienced this. I contacted Chime 3 times and was told the same thing that they could not release any information because they could not verify my identity and that my account was not eligible for a refund so that I would not be getting my money back. I explained that I had been using them for months with no problem and the only deposit that I had going in was from my place of employment and they could see and verify that. I told them I could verify anything they asked and also asked for them to open my account so that I may withdraw my money and then they could close it and I would bank elsewhere, they refused and told me the account could not be reopened and I again would not be getting my refund back. I had over {$700.00} in the account as partial was a partial payment for my rent. I explained that I am a single mom and that they had just took all of my money and basically stole what was not theirs, I was not notified or given heads up about anything. I have been left with not one cent, and they continue to refuse to let me withdraw the money that is rightfully mine.

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: CNG HOLDINGS INC
State: PA

Complaint narrative:
This Company is reporting information about a debt that was already paid in full severely negatively impacting my credit score I have documents showing I payed the debt off already & that they need to stop reporting information on the debt because it was settled already

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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief