vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX, XXXX. Has been changing the first date of delinquency on both my old auto and credit card to both XXXX and TransUnion. 

By doing this they have prevented me from seeking the employment I desire and the ability to reestablish credit. 

I have contacted XXXX XXXX, XXXX. for records, which confirms my statements are valid. Still, they have ignored the facts, knowing that I would need to take them to court. 

I have contacted both XXXX and TransUnion, they can both see in the history of XXXX XXXX, XXXX. credit reporting, that both of these accounts started to be delinquent in XXXX of XXXX. 

I ask that XXXXXXXX XXXX XXXX XXXX, and TransUnion remove these two accounts from my credit file for good. My next step is through court system, where I will seek damages.

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 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX acct # XXXX and account # XXXX is a debt buyer company that came out the blue saying I owed this money to them since XXXX never ever had any dealings with this company ever. Ive reached out to all 3 credit agencies about removing this and still no answer Im believing that when the agencies had a credit data breach my data was involved in this matter according to 15USC 1681b I should be protected I still old companies on my report thats paid for years and charge offs thats there as well and this been for years. I would just like to have all old items removed and Jefferson capital as this starting to become very stressful for my future with buying a home and is a setback if your organization can help with any of this it would be great and very appreciated. I do feel it was a breach data from the agencies that got me jammed up as well, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-20 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
There was inquiries made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> without my permission by REGIONAL  and 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 2024-12-20 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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 declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files.

1. Account : XXXX XXXX Account Number : XXXX Balance : {$1500.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX XXXX- Account Number : XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX Account Number : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX Credit - Account Number : XXXX Balance : {$5700.00} : Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.

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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
As of XXXX XX/XX/year>. I just received an email from someone named XXXX, who allegedly is corresponding to me from Resurgent Capital Services. 
Account info Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

Current Owner : LVNV Funding LLC Resurgent XXXX Current Balance : {$1700.00} I will attach screenshot within this complaint. 

About 2 years ago I submitted a complaint here with another company name under the umbrella of this company, I submitted info with the letterhead and even tried to be proactive, just incase another entity under this company should try to come after me. 

Today 's email details how this account is going to be accelerated to the prelegal track. 
As of yet, no attorney has not reviewed this account, according to this email. 

The email goes on to say how the account once belonged to XXXX XXXX With an amount owed of XXXX. 

I have issues with this, because nowhere on my record nor recollection have I signed up for this Resurgent Capital Services account. While I understand that creditors buy and sell debts with a means to collect anything. 

This concerns me more that, while I'm actively repairing my credit, this has hindered me from gaining access to other kinds/lines of credit, ie, credit cards and car loans and a premortgage qualification. 

I am willing to come to some form of end to all of this, and I wanted to lodge my complaint here with CFPB, because this all seems like unfair tactics to gain monies from me for an account that I'm being told that allegedly belongs to me. 
As I've screenshot above, the original creditors info is mentioned, yet I don't see where the involvement of Resurgent Capital Services, is given and /or listed. Meaning, if written off, if closed, there's no contract signed, no 1099 tax form sent to me. 

I'd like for CFPB to assist me in this process as I do not want to go to court. 

I am willing to submit, IN WRITING to Resurgent Capital Services, a pay for delete option. With the stipulations that they are to cease any and all collection activities and withdraw any and all contact from ANY entity involving them or their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
I purchased a copy of my credit report, and notice a collections account from Credit Bureau Services of Iowa. I reached out to them with not only photographs of the apartment the day I moved in, but a video as well. Also a letter stating I'm unaware of this debt. I didn't have opportunity to dispute it due to notification. If in fact you believe you supplied me with proper notification, please provide certified mail with receipt baring my signature. If not, please remove this account or I'll pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXXXXXX - XXXX - {$270.00} XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - {$2100.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I Have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Company Involved Portfolio Recovery Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: DE

Complaint narrative:
Per 15 USC 16c-2, my credit report includes unauthorized entries that I did not approve. Please remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I submitted a complaint - complaint number XXXX. This was in regard to a dispute for XXXX through afterpay. Although US bank did resolve the amount disputed and credited the account they did not however reverse the overdraft fees that were caused by this. The overdraft fees are over XXXX dollars. Following this, I locked my card ending in XXXX, US bank has allowed transactions to continue to be debited from my account even though my account has been overdrawn because of the XXXX that was debited from my account. this has now led my account to be overdrawn over XXXX dollars.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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.

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 a 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 explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
Subject : Formal Response to Transunion Noncompliance with U.S. Codes and CFPB Guidelines. TransUnion Dispute Department, I am writing in response to your inadequate and dismissive handling of my complaint submitted through the CFPB Complaint Portal. Your response regarding the tradeline from XXXX XXXX XXXX demonstrates a clear disregard for your obligations under federal law, including the Fair Credit Reporting Act ( FCRA ) and guidelines established by the Consumer Financial Protection Bureau ( CFPB ). TransUnion is in violation of 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a dispute is submitted. By failing to provide transparency in your investigation process and evidence supporting the disputed tradeline, you are in clear noncompliance with the FCRA. Under 15 U.S.C. 1681i ( a ) ( 2 ) you are required to notify the furnisher of disputed information promptly and provide them with all relevant information regarding the dispute. Your failure to ensure the completeness and accuracy of the investigation violates this provision. Additionally, if the information can not be verified, it must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) Your approach is disrespectful not only to me as a consumer but also to the regulatory framework established by the CFPB, which emphasizes the importance of fair and accurate reporting practices. The continued presence of inaccurate information in my credit file and your vague responses highlight systemic noncompliance with federal law and CFPB guidelines. I demand the following actions : 1. A **detailed explanation** of the investigation process you conducted regarding this specific tradeline. 2. **Full disclosure of all evidence and correspondence** from XXXX XXXX XXXX used to substantiate their claim. 3. Immediate deletion of unverifiable or inaccurate information, as required by **15 U.S.C. 1681i ( a ) ( 5 ) **. 4. A mailed copy of my **updated credit report** showing all corrections made. Failure to meet these obligations will result in additional regulatory complaints and legal action. Under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, you are liable for both willful and negligent noncompliance with the FCRA , including statutory damages, actual damages, and attorney fees. I expect a comprehensive response and resolution within 15 days. Any further evasion or noncompliance will be reported to the CFPB and other regulatory agencies for review and enforcement action. XXXX XXXX social Security number XXXX Thank 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 2024-12-20 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: Viva Finance Inc.
State: FL

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end XXXX XXXX  plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX  of Debt XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX BALANCED {$10000.00XXXX XXXX XXXX XXXX BALANCED {$21000.00}

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 2024-12-20 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:
about 10 years ago i lost my wallet and all my personal information was in there, ever since then someone has been using my identityand opening new lines of credit and using various address all around town and applying for credit and trying to obtain goods and services there many fraudulant address and many credit inquires currently being reported 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 2024-12-20 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: IN

Complaint narrative:
Ive found unauthorized hard inquiries on my credit report that I did not authorize. As per 15 USC 16c-2, please remove them.

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