vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry by Barclays Bank To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiry that was placed on my credit report by Barclays Bank . This inquiry is a violation of my rights under federal law, specifically under 15 USC 1602 ( p ) and 15 USC 1681c-2.

Violation Details : 1.Use of Information : I did not provide Barclays Bank with my consent to perform a hard inquiry on my credit file. The use of my personal information in this manner is unauthorized and fraudulent. 

2.Violation of 15 USC 1602 ( p ) : Under this section, the protection of consumers ' personal information is paramount. Barclays Bank violated this statute by accessing my credit file without proper authorization.

3.Violation of FCRA Section 605B ( 15 USC 1681c-2 ) : According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block the reporting of information resulting from identity theft or fraud within four business days of receiving notice. The inquiry by Barclays Bank is fraudulent, and I expect it to be removed promptly in compliance with this law. 

Requested Action : I request that XXXX immediately remove the unauthorized hard inquiry from my credit report. As FCRA Section 605B mandates, this fraudulent information should be blocked within four business days of receiving this letter.

This unauthorized inquiry has negatively impacted my credit score and has caused undue stress. I trust that you will handle this matter swiftly and in accordance with federal law.

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly.

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 2024-08-20 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information being reported on my credit report. The inaccurate reporting is not only hindering my ability to obtain credit, but it is also negatively impacting my financial well-being and personal reputation.

Enclosed with this letter are the details of the disputed account, along with my personal information to help verify my identity and expedite the resolution process.

Under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following item. I ask that you provide proof of the account, including a copy of the original contract bearing my signature. If you can not provide such proof, I request that you either update the record to show the account as " Paid in Full/As Agreed '' or remove the item from my credit report entirely. This matter is of great importance and has a direct impact on my daily life. 

The details of the item in dispute are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX This account is currently listed as a collection/charge-off on my credit report. However, I have not received a 1099-C form for this charged-off debt. I request that you either provide me with a 1099-C form to accurately reflect this as a charge-off for tax purposes, or immediately update my credit report to remove this item. XXXXPursuant to Section 1681i ( 6 ) ( A ) of the FCRA, please provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter. While these may seem like minor reporting errors, they have significant consequences for me, especially when it comes time to purchase a home, secure a vehicle, obtain a business loan, or even seek employment. I kindly request that you expedite this process. 

Thank you for your time and consideration. 

Sincerely, 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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/year>, LVNV Funding, LLC, EIN : XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, contacted me regarding an alleged debt. LVNV Funding, LLC has been sending monthly statements as supposed evidence of this debt. However, according to the ruling XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, monthly statements are insufficient evidence of debt. On XX/XX/year>, I, acting as a Private Attorney General, sent a formal debt validation letter to LVNV Funding, LLC, requesting the following documentation to validate the debt : Proof of the original debt, such as the original contract or agreement.Comprehensive documentation showing the transfer and assignment of the debt from the original creditor to LVNV Funding, LLC. A detailed account history, including all charges, payments, and fees.The complete name and address of the original creditor. In addition to requesting validation, I issued a cease and desist notice, instructing LVNV Funding, LLC to cease all collection activities, including reporting to consumer reporting agencies, until the debt is validated. This is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Moreover, I informed LVNV Funding, LLC that any continued attempts to collect an unverified debt would result in legal action. The potential costs of such legal action were itemized as follows : Filing Fees : $ XXXX Fees : $ XXXX Costs : $ XXXX for Emotional Distress : {$10000.00} Punitive Damages : {$15000.00} Total Potential Cost : {$31000.00}. Additionally, I noted that LVNV Funding, LLC is fraudulently posing as Resurgent Capital Services, further compounding their legal liabilities.I also outlined that any violations of Title 18 U.S.C., Title 42 U.S.C., and the Code of Federal Regulations ( CFR ), specifically relating to fraudulent activities and civil rights violations, would be addressed in forthcoming legal actions if necessary. As of today, LVNV Funding, LLC has not provided the requested documentation or ceased their collection activities, including reporting to consumer reporting agencies. This ongoing behavior is in violation of federal laws and has caused undue stress and potential damage to my credit reports. I seek the CFPB 's assistance in compelling LVNV Funding, LLC to provide the requested validation of the alleged debt, cease all collection activities until validation is provided, and delete any inaccurate information from my consumer reports. Furthermore, I request that the CFPB take appropriate actions against LVNV Funding, LLC for their fraudulent practices and violations of federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX. has never contacted me at all. However, this agency is illegally reporting an alledged account on all 3 of my credit reports, Equifax, XXXX XXXX and XXXX. A lawyer has agreed that their not contacting me in advance is a serious violation. 
I am willing to go to court and sware under oath that this account does not belong to me and I will file suit stating that I am not liable for this alledged account that had been put on my credit reports without any notice to me. 
The lawyer I spoke with told me I could sue for at least {$3000.00} right now minimum not including his legal fees that XXXX XXXX would be liable for. I never had a contract with this firm and I am seeking monetary relief at present due to XXXX XXXX violations. I also demand that XXXX XXXX delete this debt from all 3 of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to issue a formal complaint regarding an erroneous entry on my credit report that I obtained from National Credit Systems. This entry relates to a debt associated with an apartment leased through my business. I never personally guaranteed this debt, yet it appears incorrectly on my personal credit report, which constitutes a direct violation of my consumer rights. The incorrect debt has been on my report since XX/XX/scrub>XXXX XXXX It is imperative to note that this entry is factually inaccurate as there was no personal guarantee made by me for any business-related obligations. This misreporting has led to undue harm to my credit standing and financial reputation. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., both credit reporting agencies and furnishers are legally obliged to ensure the accuracy and completeness of the information they report. The failure to comply with these requirements exposes you to potential legal actions, including but not limited to, damages and necessary remedial measures as outlined in Sections 1681n and 1681o of the FCRA. I demand an immediate investigation into this matter, the removal of the inaccurate entry from all my credit reports, and a written confirmation of these corrections. Should this issue not be resolved promptly and in accordance with the FCRA, I am prepared to pursue all legal remedies, including filing a lawsuit for statutory and punitive damages. I expect your response and resolution within 30 days from the date of this letter. Thank you for your prompt attention to this critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 2024-08-20 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: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello Bank of America card is opened without my consent.

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 2024-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$3700.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed my public record 'bankruptcy ' with XXXX XXXX and XXXX and Transunion , XXXX XXXX  and XXXX have removed the bankruptcy because it was unverifiable and i have a letter from the bankruptcy court stateing that they DO NOT REPORT TO THE CREDIT BUREAUS nor do they report to them.

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