vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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 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. 
Fraudulent Account : XXXX XXXX XXXX XXXX  Account # XXXX Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX  Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX  Fraudulent Account : XXXX XXXX XXXX Account # XXXX Fraudulent Account : XXXX  XXXX : Account XXXX XXXXXXXX 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. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Have received several calls from individuals claiming to be from CashNetUSA calling to with attempt to collect a debt. I have informed them I do not have an account with CashNetUSA and they continue to ask " for verification '' and want my SSN and my date of birth. When I tell them I will not give them that information they tell me that they can not give me any information on the debt without me providing my SSN and date of birth. I have received phone calls from XXXX, XXXX, XXXX. 

I am worried about my identity trying to be stolen or fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
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: NJ

Complaint narrative:
Dear RESURGENT CAPITAL SERVICES and/or LVNV FUNDING LLC XXXX This letter serves as my formal response to the correspondence received regarding the referenced account ( the " Account '' ) allegedly owned by LVNV Funding LLC and serviced by Resurgent Capital Services L.P . I am writing to inform you that you **do not have my permission** to access, use, or maintain my personal information, and I believe this action constitutes a violation of my consumer rights under state and federal laws. 

**Violation of Consumer Rights : ** Under the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692 et seq., debt XXXX are required to validate and verify a debt upon request. I have repeatedly sought documentation, including but not limited to the **purchase and sale agreement**, which would demonstrate ownership and a valid chain of title for the Account. Your refusal to provide this information raises significant concerns regarding the legitimacy of your claim and constitutes noncompliance with the FDCPA. 

Furthermore, under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681b, entities must have a permissible purpose to access or use a consumer 's credit information. You have failed to demonstrate such a purpose, and any unauthorized access to or handling of my personal data violates the protections afforded to me under the FCRA. 

**My Position : ** XXXX. I do not acknowledge or authorize any claim you allege concerning the Account. 
XXXX. I do not consent to LVNV Funding LLC, Resurgent Capital Services, or any associated entities having access to or processing my personal information. 
XXXX. Your failure to provide the requested validation and proof of ownership, including a proper chain of title, is not compliant with federal law. 

**Action Requested : ** I formally demand that you : - Cease all attempts to collect on this alleged Account immediately. 
- Refrain from sharing, accessing, or processing my personal information without explicit authorization. 
- Provide a detailed explanation of the permissible purpose under which you believe you are authorized to maintain my information. 
- Confirm in writing that you will remove my personal information from your systems in compliance with applicable laws. 

Please note that continued violation of my consumer rights will leave me no choice but to pursue legal remedies. I expect a written response to this matter within XXXX days** of receipt of this letter, as required by federal law. 

Should you have any further questions, I can be reached in writing at the address listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have asked LVNV FUNDING LLC to verified and validated the account with my original contract with my signature on it. I wanted to see if there has been any insurance claim filed on this debt. I asked to see the signature that I put put on the contract guaranteeing that I would pay this creditor. And lastly, I asked to see proof of chain of tittle they have to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 2024-12-17 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I went online around XX/XX/year>2024 to look at my pay off for a loan. Per the website my balance was {$930.00} and change. I paid it off. Then I saw more money come out of my account. I called the bank asking when they would return that. The bank informed me that I in fact still owed them money. I informed them that my payoff Is online balance showed {$930.00} and i paid what My balance showed. I argued and ultimately asked for escalation. I was informed a XXXX  would call me. This was in XXXXWe are close to Christmas.No one has ever called me and I want to fight this as I do not owe them anything that citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: WA

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report 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 non-monetary relief
Consumer complaint received 2024-12-17 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, AZ XXXXPhoneXXXX contacted me concerning XXXX XXXX Account that was previously paid in full through a Debt Consolidation with XXXX XXXX XXXX. This is the same debt that a prior Debt collection Agency tried to collect on prior Complaint filed with CFPB and your agency cleared and closed. This company demanded payment of {$1000.00} but, would settle today for {$430.00} and turn the other for collection on my 2024 IRS. The Regional XXXX at Superlative RM informed me that Debt Consolidation Agencies do this all the time. Out of all my debt consolidated this is the only company. Dont think so. Please help me clear and close this awful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These items were added without my authorization due to identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3400.00} XXXX XXXX XXXX- XXXX - XXXX - {$2400.00} XXXX XXXX XXXX - XXXX XXXX {$510.00} Fraudulent Inquiries : 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 2024-12-17 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:
Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These items were added without my authorization due to identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3400.00} XXXX XXXX  XXXX XXXX - XXXX - {$2400.00} XXXX XXXX XXXX - XXXX XXXX {$510.00} Fraudulent Inquiries : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: WI

Complaint narrative:
I was tricked into signing a document on the phone for a loan around XXXX and they charged me over a 600 % interest rate with a XXXX dollar fee. They made me sign while I was on the phone with them and didn't let me read the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : XXXX XXXX  License ID Number : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

TransUnion Consumer Solutions, XXXX XXXX XXXX XXXXXXXX, PA XXXX I am writing to request this Bankruptcy is removed from my credit report. How are you verifying this information. None of my other reports have this. This information is not accurate. 

XXXX XXXX XXXXankruptcy : Bankruptcy XXXX XXXX, XXXX {$0.00XXXX XXXX XXXX bankruptcy discharged I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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