vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I recently pulled a copy of my credit report and noticed that there was a collection from LVNV on it. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you s

ay I owe you. I requested proof that I am indeed the party they are asking to pay this alleged debt, and there is some contractual obligation which is binding on me to pay this alleged debt to you. Please be aware that reporting inaccurate or unverified information to credit bureaus may constitute
defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, until LVNV provide me with proper validation of this debt, LVNV is not allowed to pursue any collection

activities, including reporting this information on my credit report. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state or federal agencies. While LVNV Funding, LLC dba Resurgent XXXX XXXX XXXX may have satisfied the basic requirements of the Fair Debt Collection Practices Act ( FDCPA ) when it comes to validation of a debt, I have the right to request additional information. As you can see from my correspondence, I have requested specific information needed to verify the legitimacy of this alleged debt and protect myself from potential debt collection scams, identity theft and fraud. LVNV Funding has failed to provide that information and has totally disregarded my right as a consumer. And CFPB has failed to do their job, which is to protect the consumer from unfair, deceptive, and abusive practices in the financial industry. CFPB just closed the account based on the word of the company. Whatever happen to : Enforcing consumer protection laws and regulations... Investigating and taking action against financial institutions that engage in unfair or deceptive practices? 

This is a blatant disregard for my rights as a consumer and I have been harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You contacted me by [ phone/mail ], on [ date ] and identified this alleged debt. 



Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 


If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 


Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 


If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 


The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Fundo LLC
State: CO

Complaint narrative:
I received an advance from Fundo LLC. I was making payment then got behind. I restarted paying again but unfortunately missed another payment, which then cause Fundo to place a lien on my account. They sent the paperwork out on the XXXX of XXXX and by the XXXX of XXXX my XXXX and XXXX accounts were block. I couldn't receive money from any of my XXXX  accounts, personal business, XXXX or anywhere else I have XXXX connected to. I was unaware at first but once I released the probably I contacted Fundo LLC to have the XXXX removed. They told me I had to pay off my account before I can have access to my payment processing accounts. I informed them that I had the money on my XXXX accounts between XXXX and business accounts. I signed all necessary paperwork on the XXXX of XXXX and I still do not have access to my XXXX and XXXX, and they have now blocked my XXXX, XXXX and XXXX. I can pay bill and having trouble making money because I can access funds for gas and materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-13 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and harmful entry on my credit report under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The issue pertains to a duplicate account that is reported as XXXX separate negative accounts, which is significantly affecting my credit score. 
It is clear that both entries pertain to the same account, yet they are being reported as separate. This misreporting is not only misleading but also in violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). Additionally, such errors may violate provisions of the FDCPA if the duplicate reporting constitutes misleading or unfair debt collection practices.

The duplicate entries are causing an undue negative impact on my credit score, portraying an inaccurate financial profile to creditors. This error needs to be corrected immediately to avoid further harm to my financial standing. 

If you review the attached documents you will be able to notice that this account is reporting twice as XXXX separate negative accounts. I have disputed this account as well, around a year ago and my credit monitoring service is reporting it as " account not disputed '' Duplicate Account : 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 2024-12-13 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and harmful entry on my credit report under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The issue pertains to a duplicate account that is reported as XXXX separate negative accounts, which is significantly affecting my credit score. 
It is clear that both entries pertain to the same account, yet they are being reported as separate. This misreporting is not only misleading but also in violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). Additionally, such errors may violate provisions of the FDCPA if the duplicate reporting constitutes misleading or unfair debt collection practices. 

The duplicate entries are causing an undue negative impact on my credit score, portraying an inaccurate financial profile to creditors. This error needs to be corrected immediately to avoid further harm to my financial standing. 

If you review the attached documents you will be able to notice that this account is reporting twice as XXXX separate negative accounts. I have disputed this account as well, around a year ago and my credit monitoring service is reporting it as " account not disputed '' Duplicate Account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
Been dealing with this issue for XXXX years but now finally am feeling the brutality of being a victim of idenity theft. I have already gone to the police, the fbi and now the FTC i have an idenity theft report filed with the FTC and numerous police and fbi reports across the state of XXXX XXXX XXXX  where i lived in both. Southwest credit systems is not removing the account that does not belong to me on my transunion report. Which is causing me to not be able to be approved to live anywhere and am currently XXXX XXXX XXXX XXXX. i need someones help to get this removed ASAP because southwest credit is not doing the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I wanted to borrow against my car title for a loan and the payment is way over my income so I cant pay them back. They are planning to repossess my vehicle and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MI

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-12-13 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: IL

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 XXXX 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 2024-12-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I ordered a XXXX monitor on XX/XX/year> using my American Express business card. XXXX stated that it was delivered a few days later but the delivery photo doesn't show my door or any address at all. XXXX claims that it was delivered and there's nothing they can do. AMEX keeps siding with XXXX despite not having proof that it was delivered. 

It never arrived to my address and American Express keeps denying my disputes with no explanation or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: I.C. System, Inc.
State: TX

Complaint narrative:
i have no idea about this account, i have been living in XXXX  for almost 4 years using XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have not had a account with XXXX XXXX for the date of XX/XX/year> for the amount of {$62.00}, i have disputed this several times, however it is still affecting my XXXX XXXX, and i am still getting harassing calls from several different numbers concerning this, I've asked them to stop calling me but they continue maybe XXXX times a day

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
I am writing to formally report an incident of identity theft involving the unauthorized opening of a checking and/or savings account with Marcus by Goldman Sachs using my personal information. This incident was brought to the attention of Marcus on XX/XX/year>, in conjunction with my XXXX XXXX XXXX advocate. A customer service representative from Marcus filed a claim and forwarded it to the fraud department. We were informed that I would be contacted by the fraud department once the account was closed for fraudulent activity ; however, it has now been over 60 days, and I have yet to receive any communication from them. 

For your reference, I have attached an identity theft report filed with the Federal Trade Commission ( FTC ). 
In accordance with The Fair Credit Reporting Act, I am requesting an investigation into the matter. I am entitled to have the account closed due to fraud, be released from liability for all activity on the account, and to have the account removed from all consumer reporting agencies files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable ProoXXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-13 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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