vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
I pulled my report and seen some fraudulent hard inquiries on them and i need them removed 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 2024-09-08 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 pulled my report and seen some fraudulent hard inquiries on them and i need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: FL

Complaint narrative:
Collection Agencys : Plaza Services Charging Amount : {$2900.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: NJ

Complaint narrative:
I just reviewed my credit report again and found a number of accounts that do not belong to me. Besides the accounts I previously complained about, there are new accounts as well. I am being harassed daily and inaccurate personal information continues to be reported. My complaints have not been adequately addressed, and I urge you to correct this immediately, otherwise I will engage a lawyer since I am continuously denied housing as my credit score drops.

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 2024-09-08 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 just reviewed my credit report again and found a number of accounts that do not belong to me. Besides the accounts I previously complained about, there are new accounts as well. I am being harassed daily and inaccurate personal information continues to be reported. My complaints have not been adequately addressed, and I urge you to correct this immediately, otherwise I will engage a lawyer since I am continuously denied housing as my credit score drops.

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 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Collection Agencys : NCB Management Services Charging Amount : {$530.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
15 U.S. Code 1692c " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all Communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 explanation
Consumer complaint received 2024-09-08 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: NE

Complaint narrative:
On Sunday morning, XXXX XXXX XXXX I  checked XXXX XXXX over new information on my credit report from TransUnion. I lost XXXX points on my XXXX XXXX. I knew an old credit hard credit check was coming off my scores, but apparently there were 4 new unauthorized hard credit inquiries to my TransUnion account. I did not make any new inquiries at all recently, much less between the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is no specific date, only saying between XXXX XXXX XXXX through XXXX XXXX XXXX were all of these inquiries made. Then even more strangely, the inquiries were taken off. My credit score is still affected. I have screenshots of the companies involved through XXXX XXXX. I will investigate further to find out who made these inquiries, and what fraud I am dealing with.

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 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Genesis Credit Management LLC XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Demand for Removal of Collection Account from Credit Report Dear Genesis Credit Management LLC, I am writing to formally demand the immediate removal of the collection account referenced below from my credit report. This letter serves as a follow-up to a complaint I filed with the Consumer Financial Protection Bureau XXXX CFPB ) on XXXX XXXX XXXX  regarding your continued reporting of this debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). The CFPB complaint number is XXXX 

XXXXAccount Information XXXX XXXX XXXX Account Number : XXXX - Amount : {$6100.00} As stated in my previous communication, under section 805 ( c ) of the FDCPA, once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease communication, the debt collector must immediately cease all communication, including reporting the debt to credit reporting agencies. The only permissible exceptions to this rule are : XXXX. Advising the consumer that the debt collectors efforts are being terminated ; 2. Notifying the consumer that the debt collector or creditor may invoke specific remedies ordinarily invoked by such debt collectors or creditors ; 3. Where applicable, notifying the consumer that the debt collector or creditor intends to invoke a specific remedy. 

To date, I have not received any such notifications. Despite my prior request and the complaint filed with the CFPB, Genesis Credit Management LLC continues to report this account to credit reporting agencies, which is a clear violation of the FDCPA. 

I demand that you immediately remove this account from all credit reporting agencies and cease any further communication regarding this debt. Failure to comply will result in further legal action, including, but not limited to, escalating my complaint with the CFPB and seeking damages for continued violations of my rights under the FDCPA. 

I expect written confirmation of the account 's removal from my credit report within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax about the inquiries and was told that I had to provide so many documents before having them removed. I don't understand why this is a problem with having these items removed and updating my address because I have seen inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am writing this letter to formally dispute the validity of the debt being reported by your agency and to request immediate validation of the debt, as well as correction of inaccurate credit reporting to the credit bureaus. 

Account Information : LVNV Funding LLC Account Number : XXXX Date of Last Activity : XX/XX/2024 Amount in Dispute : {$2600.00} I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation of this debt. I kindly request that your agency provide me with the following information : 1. Verification of the debt amount claimed, including a detailed breakdown of any interest, fees, or charges applied.

2. Copies of all documents proving that I am indeed responsible for this debt, such as the signed agreement or contract with the original creditor.

3. Verification that your agency is legally authorized to collect this debt on behalf of the original creditor. 
I expect your agency to conduct a thorough investigation into the disputed debt and promptly provide me with the requested validation within 30 days of receiving this letter. If your agency fails to validate the debt or correct the inaccurate reporting within the specified timeframe, I will have no choice but to exercise my rights under the FDCPA and FCRA and pursue all available legal remedies to protect my interests. 
Please communicate with me in writing only and provide all correspondence related to this matter via certified mail with a return receipt requested. This will ensure a documented record of our communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
**Yes, credit report companies can frustrate interstate commerce. ** Here 's how : 1. **Inconsistent Standards : ** Different credit reporting agencies may have varying standards for reporting and scoring credit information. This inconsistency can make it difficult for businesses operating across state lines to accurately assess creditworthiness.

2. **Data Accuracy Issues : ** Errors in credit reports can negatively impact individuals and businesses, leading to difficulties in obtaining loans, financing, or even employment. These errors can be time-consuming to correct, especially when dealing with multiple credit reporting agencies.

3. **Limited Access to Credit : ** Individuals and businesses in certain regions, particularly rural areas, may have limited access to credit due to factors like lack of local lenders or reliance on credit reporting agencies that are less familiar with their specific circumstances. 
XXXX. **Excessive Fees : ** Some credit reporting agencies charge fees for accessing credit reports or correcting errors, which can be a financial burden for individuals and businesses, especially those operating on a tight budget. 

These factors can hinder the smooth flow of goods, services, and capital across state lines, ultimately impacting the overall health of the economy. To address these issues, various regulations and initiatives have been implemented, such as the Fair Credit Reporting Act, which provides consumers with certain rights regarding their credit reports.

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 2024-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
hard inquiry on my XXXX XXXX credit report on XX/XX/year>, from Capital One credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXXXXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> : purchased product from XXXX XXXX XXXX ( XXXX  ) for {$89.00}. 
XX/XX/year> : a charge of {$94.00} also posted to my account from XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year> I contacted Chime Bank and filed Dispute XXXX XXXXXXXX for the above issue. 

XX/XX/year> at XXXX : Called to inquire about another fraudulent charge on my account from XXXX  for {$89.00}. Contacted Chime but was hung up on by support and when I called back received a different teleprompter than before. 
XXXX ) I reported my debit/credit card stolen on XX/XX/year> ( to cover all my bases ) XXXX ) My cards were also frozen and should not have been used XXXX ) I already had a dispute filed regarding this vendor I was able to discuss with the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and spoke with them at length regarding the most recent charge of {$89.00}. Per their records, the only charge they have submitted for payment is the charge of {$89.00} on XX/XX/year>, which is also the only charge I authorized. 

Chime bank denied my dispute request submitted on XX/XX/year> and I am extremely concerned since this is now the second charge that has come through unauthorized. I am concerned for my information safety and am taking steps to move my account, but in the meantime want to insure that I receive my funds back as I did not authorize this payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation