vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX - XXXX XXXX XXXX  XXXX which was settled in full on XX/XX/year>. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.

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 2024-02-14 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: GA

Complaint narrative:
I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX which was settled in full on XX/XX/2024. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX  closed my account and wrote it off & sold my account to XXXX XXXX and I sent them a debt validation letter which was delivered on XX/XX/2024 which is well past 30 days, no response & as soon as they got the letter they either alerted XXXX or they themselves then tried to sell my account to XXXX XXXX XXXX XXXX XXXX XXXX ( once they got another address for me ) I would like to file a complaint against these folks because they should have already removed the listing from my credit and not tried an underhanded technique to try to further come for me, especially when the debt has been paid towards twice : Which Is Fraud : See UCC Laws : Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services XXXX Please be advised that this is my SECOND WRITTEN REQUEST regarding inaccuracies on my credit report. Despite previous correspondence, the following unverified items persist on my credit report, which is a violation of Federal Law. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory for you to possess original creditors ' documentation to verify the accuracy of the information. In your previous investigation, you claimed to have " verified '' these items as being " reported correctly. '' However, I question the validity of this verification process and demand clarification on who verified these accounts. 

To comply with the FCRA, you are obligated under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) to furnish me with a copy of the original documentation, specifically a consumer contract bearing my signature. Furthermore, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete any information that can not be verified.

It is imperative to understand the legal consequences outlined in Section 617 of the FCRA regarding civil liability for negligent noncompliance. I want to emphasize my intention to pursue litigation should you fail to rectify this matter promptly and in accordance with the law. 

I demand immediate verification or deletion of the following accounts : XXXX Account Number : XXXX This account is inaccurately reported as late. I have never missed any payments for this account. Furthermore, this account has exceeded the statute of limitations. Please remove it from my credit report. 



XXXX  XXXX  Account Number : XXXX Despite being paid, this account remains on my credit report. It has also surpassed the statute of limitations. Please remove it from my credit report. 



XXXX  XXXX  Account Number : XXXX I have not provided written consent for this account to be included in my report, which is a direct violation of my rights under 15 USC 1681i. Additionally, I was never informed of the sale of my personal information. Please remove this inaccurate information from my credit report. 



XXXX XXXX XXXX Account Number : XXXX This account constitutes a HIPAA violation. Please remove it from my credit report. 



XXXX XXXX XXXX Account Number : XXXX Similar to the previous account, I have not provided written consent for this account to be included in my report, and I was not informed of its sale. Please remove this violation from my credit report. 


Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
Essentially, a potential fraudulent third party seller by the company name XXXX XXXX XXXX on XXXX refuses to respond to me when my package was never delivered. XXXX will not do anything about it I have tried and I have proof of the package never delivering which has been sent to Affirm XXXX times now. My dispute constantly gets denied regardless of the evidence I provide no matter how irrefutable. I am currently trying a XXXX time after going to my local police department and getting a police report done for further evidence. Ive also been told by affirm to wait XXXX days and I wait the days and get no response. Its like they are too lazy to actually look into it. ANYONE can find out that the package was never delivered to me by calling XXXX, requesting a representative, and telling them my tracking number and address. After you tell them this, they will say that was never the address the package was supposed to deliver too. Additionally, SOMEONE ELSE signed for the package. I have proof of this, being its through the tracking number on XXXX. I also cameras of my residence in which nothing was ever delivered to me or my neighbors. Affirm saying that the items were delivered is based solely off XXXX online system and they are doing no extra digging into the actual shipping company. I have way more proof than what I have attached of my order never arriving but I can not send videos or screen recordings to you all at CFPB. Ive also report the XXXX XXXX business to the XXXX of New York through consumer affairs and consumer affairs in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MD

Complaint narrative:
From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX  and XXXX XXXX and all account statement for the alleged account that I have with XXXX XXXX. They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXX, XXXX and XXXXXXXX XXXX XXXX has opened up a court case in a county court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.

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 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On the XXXX of XXXX, my checking account from Wells Fargo was drained from {$4300.00} down to {$480.00}. The balance lost was through money transfer via XXXX XXXX. Those transactions were not authorized. XXXX  along with Wells Fargo opened the claim and ultimately decided to not accept my claim and not return the funds based on the fact that the transactions were made through the digital wallet.

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 2024-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

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 2024-02-14 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: PA

Complaint narrative:
XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, TX XXXX XX/XX/year> Subject : Dispute of Multiple Accounts Dear Experian, I am disputing the following g accounts on my credit report and the errors associated with them. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The account is not mine. I am a victim of identity theft and this account does not belong to me. 
I request a FULL investigation and or delete the account from my credit report. Thank you for your prompt attention to this dispute. 

Account Name : XXXX Account Number : XXXX This account contains inaccurate date information including opened date, close date and payment history. The information reported does not align with my records. The opened date is reported completely different on XXXX and is not reported on XXXX at all. The closed date is incomplete and does not align with the other credit reporting agencies. 

I'm requesting a FULL investigation into this discrepancy to ensure the accuracy of the dates and payment history associated with this account or delete it from my credit report. 

Sincerely, 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 2024-02-14 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: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
I never did any business with the companies I have listed below, the inquires are unauthorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have requested the company to remove the following items below and equifax have refused to do so the other XXXX credit agencies have removed the item but equifax so called say they verified the info. I haw taken the steps to call the company and they said there is no account for me their and that they don't even report to the credit agencies so have could they have verified this information. The following item need to be removed and blocked from my credit report : XXXX XXXX XXXX. Account number XXXX this is not my account how can you verify and the other two reports deleted the items now i want all details you used to verify this fraud account.Thank you for your prompt fixing of this problem. 

ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Last week Tuesday night ( XXXX ) the car was repossessed by Truist Bank, the bank that holds the auto loan. 

The car loan is my husband 's, who passed away XXXX XXXX XXXX. He had the car payments debited automatically from his checking account. 

Upon his death, all bank accounts were closed, including that checking account from which the car payments were drawn. 

I called Truist Bank to make them aware of his death, of the closed checking account, to cancel those automaticpayments & to inform them I was going to continue making the monthly car payments. 

Unfortunately since my name wasn't on the car loan no one would speak to me regarding it. Truist Bank continued to submit those auto payments, they were returned unpaid, & monthly {$20.00} late charges accrued. 

I continued making those car payments from my checking account in a timely manner to the present day. 

In order to speak to me I was informed I needed to provide my husband 's death certificate in addition to a " surrogate certificate '', issued by XXXX XXXX XXXX of my XXXX, that would confirm he died without a will. 

Due to the pandemic & closed government offices I was unable to get that certificate until last year. 

Unknowingly, my monthly car payments were not beingappliedtowards thecar payment, but towards those late charges that in 3 years had accrued to over {$2000.00}! 

Only last week did I find out that the car payments were now unpaid for 120 days when they repossessed the car. 

By the way, theynever stopped presenting those auto payments to a closed account, even after I presented them with all the necessary documents & information. 

In 10 days, by XX/XX/XXXX, I'll need {$7500.00} plus storage & a " repo fee '' in certified funds or cash. 

The car is a XXXX XXXX XXXX... .I 'm not sure of the mileage.The car is still XXXX XXXX XXXX XXXX 

I'm a XXXX XXXX XXXX retiree on Social Security & a modest pension. I've little to no means of paying off this car, as Truist Bank wants me to do in order to get the car back. 

In addition I believe I shouldn't have to pay those accrued late charges, which should've been corrected once they knew the circumstances behind them. XXXX, I was alsomaking the monthly car payments at the same time they were presenting their 's. 

Besides, shouldn't they have noticed that those payments were being denied for so many years & should've stopped submitting them? 








Sent from my 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 2024-02-14 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX  XXXX  AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony : carecredit closed my account and wrote it off & sold my account to XXXX XXXX and I sent them a debt validation letter which was delivered on XX/XX/2024 which is well past 30 days, no response & as soon as they got the letter they either alerted Synchrony/Carecredit or they themselves then tried to sell my account to XXXX & XXXX XXXX XXXX XXXX ( once they got another address for me ) I would like to file a complaint against these folks because they should have already removed the listing from my credit and not tried an underhanded technique to try to further come for me, especially when the debt has been paid towards twice : Which Is Fraud : See UCC Laws : 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