vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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 XXXX  XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$22000.00} XX/XX/XXXX XXXX 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 2024-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV reported negative information on my credit report which they are going through other third parties Resurgent and XXXX which is a violation with the FDCPA privacy violation. Why is my personal information being shared? Asked them to remove and they havent. Also asked them to provide bill of sale, 1099C from original creditor and proof of contract I signed with them. They havent provided this. I should be compensated for these violations and the XXXX  they are causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: 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 Committee 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My address is not on my credit report it was wrongfully taken off from Experian from a 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 explanation
Consumer complaint received 2024-06-12 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/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 2024-06-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I ordered custom items from spier and XXXX clothing for {$380.00} which showed as XXXX on XX/XX/year> with XXXX tracking : XXXX however the item was never delivered to me. 

This is strange since i received another package earlier from them that shipped with XXXX just fine. I contacted the merchant for a refund and they did not resolve the issue. 

I then contacted goldman sachs with a dispute and they are not helping me resolve this fraudulent charge from spiermckay for merchandise that was never delivered to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CFPB Complaint against XXXX XXXX XXXX XXXX. Introduction I am filing a complaint against XXXX XXXX XXXX ( XXXX ) for violating the Fair Debt Collection Practices Act ( FDCPA ). 
II. Creditor and Debt Information Collection Agency : XXXX XXXX XXXX XXXX XXXX [ Unknown ] Account Number XXXX Amount of Alleged Debt : [ Unknown ] XXXX. Description of XXXX XXXX has not provided debt validation information. I have not received a debt validation notice that complies with 12 CFR 1006.34 ( b ) ( XXXX ). Despite the lack of validation, XXXX placed a collection account on my credit report. 
I have not been given a chance to dispute the debt. XXXX did not provide a process to dispute the debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ). 
XXXX is using false or misleading representations. XXXX 's collection efforts violate my rights by using false and misleading information. 
XXXX failed to provide required disclosures. The collection agency did not furnish any disclosures required by law before placing the collection on my credit report. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( A ). 
IV. Debt Verification and Communication I am requesting debt validation information from XXXX in accordance with 12 CFR 1006.34 ( b ). 
I am also requesting a copy of the purchase agreement between XXXX and the original creditor. 
I request that XXXX cease all communication attempts with me via phone calls, text messages, and email until they have furnished debt validation and proof of licensure. 
V. Relief Requested I request that XXXX remove the collection account from my credit report. 
I request that XXXX cease all communication attempts until they comply with the FDCPA. 
I request that XXXX be fined for violating the FDCPA. 
VI. Supporting Documents ID and Proof of Address XXXX. Conclusion Thank you for considering my complaint. I look forward to your response and a resolution to this matter. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX Please note : Consumer Financial Protection Bureau XXXX XXXX XXXX : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$93.00}. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding the results of a recent investigation conducted by Experian, Report NumberXXXX concerning inaccuracies in my credit report related to the XXXX XXXX account ( # XXXX ). As per 15 U.S. Code 1681e and 15 U.S. Code 1681i, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to thoroughly consider all relevant information provided by the consumer during any reinvestigation of disputed information.

The following discrepancies and inaccuracies remain unaddressed and unresolved in my credit report : Last Payment made : XX/XX/XXXX. 
Payment history/rating for XX/XX/XXXX is reporting as " current ''.

Date closed : XX/XX/XXXX ( inconsistent with XXXX ). 
Date of removal : XX/XX/XXXX ( inconsistent with XXXX ). 
XXXX Reporting : This account is not being reported by XXXX. 

Regarding the lack of reporting by XXXX, as per 15 U.S. Code 1681e, consumer reporting agencies must ensure the information in consumer reports is accurate and up-to-date across all major credit bureaus. The Federal Credit Reporting Act ( FCRA ) mandates that the reporting agencies, such as Experian, XXXX, and XXXX, maintain consistent and accurate information. The discrepancy in reporting this account by XXXX is a violation of this mandate and affects the overall accuracy of my credit profile.

I have provided all relevant information to support my dispute, yet these discrepancies persist. In accordance with 15 U.S. Code 1681i, I am entitled to a thorough reinvestigation of these inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) and ( 7 ), I am requesting a detailed description of the reinvestigation procedure employed by Experian.

Please provide the following information promptly : The method of investigation used by Experian to verify the disputed information.

A detailed description of the reinvestigation procedure, including any steps taken and the sources of information used.

I expect to receive this information within the 15-day timeframe specified by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these statutory requirements will leave me no choice but to escalate this matter further, potentially including legal action to ensure compliance with federal regulations.

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
They have frozen my savings account with my {$250.00} in it. I want it unfrozen so I can get my funds back and close my account with them after this. I have contacted them over 5 times. All members of staff including supervisors were clueless and unable to help. All they said was 3 days. Its now over 20 days and still nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
SEE ATTACHED!! EXPERIAN WANTS ME TO KEEP SENDING SENSITIVE PERSONAL INFORMATION IN XXXX MAIL OVER AND OVER

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 2024-06-12 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: CT

Complaint narrative:
On XX/XX/year> I never opened up an account with XXXX XXXX XXXX .. On XX/XX/year> I never opened up an account with XXXXXXXX XXXX  These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: Synovus Bank
State: CT

Complaint narrative:
On XX/XX/year> I never opened up an account with XXXX XXXX XXXX .. On XX/XX/year> I never opened up an account with Synovus Bank These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-12 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Destiny credit card ran an inquiry I did not consent to. The parent company Concora credit previously ran an unauthorized check earlier this month under their brand Milestone. I feel this is beyond coincidence and that Concora credit has had a data breach and is not protecting the publics information they are privy to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: OH

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 Committee 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 non-monetary relief
Consumer complaint received 2024-06-12 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.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DEPTEDXXXX XXXX XXXX, XXXX - XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, "

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.

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 DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report from XXXX and noticed there is a collection action for {$350.00} with the original creditor as XXXX XXXX XXXX XXXX and Source Receivable Management as the collection agency. I had never been contacted about this debt even though it was assigned to my account on XX/XX/XXXX. I contacted XXXX XXXX  XXXX XXXX for proof of this debt, because I had no knowledge of it, after moving out of the property in XX/XX/XXXX. In XXXX, where I reside, there is a law ( XXXX  Statutes s. 83.49 ( 3 ) ( a ) and s. 83.49 ( 3 ) ( b ) ) stating that I must be notified of move out charges within XXXX  days of vacating the property. I asked for proof that I was contacted within the XXXX period required by XXXX  law, but the property manager can't access the information, even after I asked multiple times. The property manager stated that a system was supposed to automatically send me an email with my move out statement. I asked for a copy of the email since there should still be evidence it was sent to me, but she could not find a copy. I have attached a thread of this email below. 

I then contacted the collection agency to get more information since I have never been contacted by them. I told them that this debt is not mine because I wasn't contacted by XXXX XXXX XXXX XXXX within the period required by XXXX  law, but they just kept trying to get me to pay the debt. Both parties still have yet to verify that the charge was sent to me within XXXX  days after moving out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Found several credit inquiries with my personal information over the span of approximately XXXX weeks, beginning on XX/XX/XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: FL

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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