vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

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 2024-10-23 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: TX

Complaint narrative:
There's are inquiries on my credit report that I don't recognize, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
I have no knowledge nor authorized these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
The debt original belongs to XXXX, XXXX and XXXX XXXX was was previously removed due to fraud.

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 2024-10-23 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:
The debt original belongs to XXXX, XXXX and XXXX XXXX was was previously removed due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
The debt original belongs to XXXX, XXXX and XXXX XXXX was was previously removed due to fraud.

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 2024-10-23 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my credit report it is lower my ability to obtain credit 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 2024-10-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am writing to request validation of the debt referenced above, as I have not received sufficient information to confirm its validity. Under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request the following : RESURGENT/LVNV FUNDING XXXX Verification that this debt belongs to me. 
A full breakdown of the amount owed, including any fees or interest. 
Proof of your authority to collect on this debt. 
Please send this information to the address above. Until the debt is validated, I request that all collection activities and credit reporting on this matter cease. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: PA

Complaint narrative:
I discovered unauthorized credit inquiries on my report today, and Im completely baffled as to how this happened. I checked my report like normal, but this time there are unexpected discrepancies. I even refreshed my browser, hoping it was an error, but the inquiries didnt disappear. Im seriously frustrated, and I demand that the documents Ive submitted are thoroughly reviewed so this problem can be fixed immediately.

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 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
NOW COMES the XXXX XXXX XXXX, Executor, and for the Complaint against JEFFERSON CAPITAL SYSTEMS , LLC, states as follows : Facts XXXX XXXX XXXX XXXX received notice of an unverified debt b. The original creditor has verified settle of all debts held in past years c. Despite this, JEFFERSON CAPITAL SYSTEMS , LLC, has continued to attempt to collect on the alleged debt. 
XXXX JEFFERSON CAPITAL SYSTEMS , LLC actions violate several state and federal laws and regulations. 

Claims for Relief Count I : Violation of the Fair Credit Reporting Act ( FCRA ) a. EFFERSON CAPITAL SYSTEMS, LLC has improperly reported the alleged debt to consumer credit agencies, violating the FCRA by failing to ensure the accuracy of the information being reported. 

Count II : Violation of the Fair Debt Collection Practices Act ( FDCPA ) b. JEFFERSON CAPITAL SYSTEMS , LLC violated 15 U.S.C. 1692 et seq. by continuing to pursue collection of a debt that has been set-off, using misleading, false, and unfair collection tactics.

Count III : Defamation of Character c. JEFFERSON CAPITAL SYSTEMS , LLC has damaged XXXX XXXX XXXX and the Estate reputation by reporting inaccurate and defamatory information to consumer reporting agencies. 

Count IV : Unauthorized Use of Personal Information d. JEFFERSON CAPITAL SYSTEMS , LLC has unlawfully used the XXXX XXXX XXXX 's personal information in attempting to collect on a debt for which no valid agreement exists. 

Count V : False Representation and Identity Theft e. No authorized representative from the Estate of XXXX XXXX XXXX has ever signed any agreement with JEFFERSON CAPITAL SYSTEMS , LLC. JEFFERSON CAPITAL SYSTEMS, LLCs actions amount to false representation and identity theft. 

Count VI : Collection by Extortionate Means XXXX JEFFERSON CAPITAL SYSTEMS , LLC has attempted to collect the alleged debt by extortionate means, which is prohibited under applicable law. 

SEE ATTACHED LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
Dear CFPB Team, I am writing to formally file a complaint against Equifax for their willful negligence in adhering to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). My complaint centers on Equifaxs failure to block the reporting of information resulting from identity theft, as mandated by the law. 

On XX/XX/XXXX, I filed an FTC Identity Theft Report, along with a dispute confirmation for XXXX XXXX ( Confirmation # XXXX ). A duplicate of this dispute was submitted on XX/XX/XXXX ( Confirmation # XXXX ). Additionally, I submitted a dispute for XXXX XXXX XXXX XXXX ( Confirmation # XXXX ) on the same date, with a duplicate filed on XX/XX/XXXX. 

Despite multiple follow-up calls, including recorded conversations with Equifax representatives XXXX I was informed that resolving these disputes would take 30 days. One representative acknowledged that other disputed accounts had been deleted, yet the two in question remained unresolved. I confirmed this statement by refreshing the credit report file and seeing all others had been resolved. He attributed this delay to the duplication of disputes, despite my clarification that I submitted each dispute only once. This representative also indicated that he could only leave a note for the back office team, leaving me without resolution.

As of today, it has been seven business days without any action taken on these two accounts, which is significantly hindering my employment opportunities and ability to secure new residency. I have repeatedly reached out to Equifax on XX/XX/XXXX, and XXXX, XXXX, and each call has resulted in no resolution, merely requests for further waiting. 

Moreover, I have not received any of the original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), including a consumer contract bearing my signature. Under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is obligated to promptly delete any unverifiable information.

The law is explicit regarding the civil liability and remedies available for negligent noncompliance ( Section 617 ), and I am prepared to pursue legal action to enforce my rights under the FCRA. Equifaxs failure to comply with these regulations is causing me substantial harm and distress.

I kindly request your assistance in addressing this matter and ensuring Equifax is held accountable for their negligence.

Thank you for your attention to this urgent issue. Please see original documents sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the date of XX/XX/year>. I deposit {$1200.00} ( Which were XXXX bills of a XXXX bill ). On that date I received a receipt saying I deposit {$1200.00} but in my account it shows nothing was deposited. I later asked for the footage from the ATM which clearly shows me depositing a pack or stack of {$20.00} dollar bills. They have accepted that I have deposited that amount but the bank does NOT want to accept that I did deposit that amount. so to this date they do not want to return the {$1200.00}.

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 2024-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
When I first contacted CFPB was around XX/XX/XXXX after ALLY repo my SUV  via XXXX XXXX, who violated my rights by refusing to release my personal items unless I sign a release contract, Which I did not. I called the REDEMPTION DEPARTMENT AT ALLY and spoke to XXXX. She was very rude, demanding, obnoxious and ordered me to turn in my keys while I'm telling her I don't owe Ally any money and want my SUV returned. She told me I needed to pay {$4100.00} by XX/XX/XXXX, or they will sell my XXXX XXXX XXXX XXXX. After XX/XX/XXXX XXXX ; I called to check on my SUV I was told they moved it XXXX hours away to sell it without my permission. I already had a complaint open with CFPB waiting for ALLY response. It was past the 15 days, and they were about to sell my SUV. I had no choice but to pay them to keep them from selling it. I was given an option to wire the {$4100.00} only. I wired the full amount on XXXX XXXX. They responded to CFPB that same day. I picked up my SUV on XX/XX/XXXX, at XXXX WHO WAS TRYING TO FORCE ME TO SIGN A RELEASE CONTRACT. I REFUSED AND TOOK PICTURES WITH MY PHONE AFTER SHE LEFT WITH ANGER HOLDING THEPROOF OF SELLING PAPERS. XX/XX/XXXX, I received a letter from Ally saying they sent my title to XXXXXXXX XXXXXXXX XXXX XXXX ; IN ORDER FOR ME TO BE RE-REGISTER. XX/XX/XXXX, I went to XXXX XXXX XXXXXXXX to pick up my registration and title. Ally had pre highlighted areas on the paperwork for me to sign. I signed with XXXX ( beneficiary ) on all the papers and the tittle only to find out ALLY DELETED ELECTRONICALY. Attached is a copy of the tittle and other paperwork I signed as beneficiary ( I took pictures with my phone. ) I tried to remain honorable by paying XXXX, XXXX and XXXX {$890.00} per month not because I owe them, but to keep them from repossessing my SUV. I have let the IRS know that ALLY TOOK MY CREDIT OF OVER {$40000.00}, I ALSO SENT ALLY A COPY OF TTHE 1099c APROAVED FROM THE IRS. ALLY IS MAKING THOUSANDS WITH MY BOND INSURANCE. I MADE IT XXXX TO ALLY THAT I NEVER IN GOOD FAITH GIFT THEM MY SUV AND PROCEEDS FROM TNE BOND INSURANCE. I stopped paying ALLY XXXX months ago considering I discharged the debt they created. Yet, last month they called my ex-husband demanding money after I sent them a Cease-and-desist letter and verbally. I also received a letter from Ally dated XX/XX/XXXX, demanding {$3200.00} by XX/XX/XXXX, or they will repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
THIS NEGATIVE ITEM THAT THIS COMPANY REPORT TO THE CREDIT BUREAU WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY AUTHORIZED TO FURNISH ANY REPORTS TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDERD IDENTITY THEFT

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX of XXXX  I paid down my discover credit card and went to take care of my father who had XXXX. Upon returning home in XXXX I checked my account, which was set to auto pay, and there were hundreds of charges totaling nearly XXXX dollars. I immediately called discover. They temporarily removed the charges but have since added them back without any justification. I have also filed a report with the FTC and the credit bureaus. Please help. I am happy to pay for my purchases, but I should not be responsible for charges I never made. In fact over the last XXXX  years with Discover the charges made to my account do NOT align with ANY purchases that I have ever made. They are clearly fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-10-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
So there is a item on my report that I disputed numerous times over the past XXXX or more years. Each time they came back and statd that the debt is valid. However it is not mine. SO when I did some reasearch they stated that it was a employee debt from the postal service or something. However I am a nurse and have never worked at the post office. After XXXX years I figured it would be just better to let it fall off in time as disputing and sending certified letter did nothing. No one ever sent anything to me despite multiple letters sent to them certified requesting this information. But however this year i relaized that this derogatory item was going to prevent me from buying a home so perhaps if I asked them to settle the debt it would be over finally and it was worth a small amount of money to me personally to see it finally gone. So I contacted complete credit solutions directly not via the credit bureaus. I came to an agreement to settle the account the first offer letter they sent me proved that this was not my account as it had an address for me in XXXX. which to me was proof that it was not my account. I have never even driven through michigan much less lived at this address. They told me that that was the address they were given from the original creditor. WHo I also attempted to dispute the debt with. 
I have copies of all of this communication ( for the record ) SO I paid the XXXX. THey said it would slot my account for deletiong and to check my credit in XXXX month. I did that and all they did was deduct the XXXX from the amount due and it was not paid at all!!! much less deleted. 
THen to make it worse I had to fight through their phone email and being transferred to XXXX people over XXXX hours to find the person that made the offer to me and he remembered our conversation and said that it was thier mistake and he would escalate it to be deleted. This still also has not occurred. I find it infuriating that I paid money on an account that want even mine in the first place but then to have them not do as they promised made it worse. I have copies of all the communication as I had a similar instance of another company that said they would delete it in a settlement and also just now lists it as paid settlement not deleted as promised this is why I asked for it in writing this time. Please help me get this removed as I am trying to close on a home and it is a bi problem to my account score

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