vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
CLUE XXXXXXXX XXXX XXXXXXXX  are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX any other information is incorrect. You have an obligation to report account information. You are also required to provide me with a report every year and you have not. There is so much information you could potential have wrong causing me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: PA

Complaint narrative:
Collection company : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Original Creditor : XXXXXXXX XXXX  XXXX opened : XX/XX/year> Last reported : XX/XX/year> Amount : {$2.00}, XXXX I never had a contract with this debt collector for any debt. They could not provide me with any debt validation in the form of a contract with my signature proving that they own this debt and has the legal authority to collect it. This account should be deleted if the proof can not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive recently received a c copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2024-09-07 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: NY

Complaint narrative:
Ive recently received a c copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2024-09-07 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: GA

Complaint narrative:
I am writing to report multiple fraudulent activities and unauthorized accounts impacting my credit profile. The following issues require investigation and immediate resolution : 1. XXXX XXXX XXXX XXXX : I did not authorize the opening of this account or any of the charges associated with it. I have no knowledge of this account and request that it be removed from my credit report as a fraudulent account. 

2. XXXXXXXX XXXX XXXX XXXX ( Issued by XXXX ) ** : I did not authorize the opening of this credit card account or the transactions made under this account. I am disputing this account and any associated charges, requesting its removal from my credit report as fraudulent. 

XXXX. **XXXX XXXX XXXX XXXX : A charge-off for this mobile phone bill appears on my credit report. I did not authorize or initiate this account and dispute the legitimacy of this charge. I request its removal as a fraudulent entry. 

These accounts are clear violations of my consumer rights under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681, which entitles me to accurate and fair credit reporting. Under this law, I request that the credit reporting agencies conduct a thorough investigation and delete the aforementioned fraudulent accounts from my credit profile. Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I demand that no further collections or attempts to recover these alleged debts take place, as they are invalid.

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 — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I received an email from your company on XX/XX/year>, but I have not yet received a proper debt validation letter that includes my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The transunion web site includes an area where a user can change the status of a credit freeze. I have been freezing my credit for over XXXX years now. Everytime I attempt to change the status of my freeze with transunion, I receive the error message indicated in the screen shot. I always have to call to make the change. The wait time and subsequent change with the call center usually takes over an hour.

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 — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Keep getting recorded messages about collectors a debt but would not say what kind of debt I have attached a recording transcript also I'm requesting that they validate the debt also must provide proof that I signed a contract with them. At this time im requesting by law that they cease and dests all calls and contact no letter was sent I'm assuming it's a scam at this point but by law they must provide proof and validation and that I signed the original contract with that company

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 enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I file thru cfcb about a week ago I replied with what company is sending back thru cfcb not what I am asking them for never send me a signed contract company continue to violate my rights I am seeking {$1000.00} per violation for the emotional damage this company is causing me. 



The other XXXX accounts XXXX and XXXX and XXXX. 
Check the new law what is supposed to be send for validation of debt 12CFR 1006 Send me the original contract with my signature if this is my debt

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
extending the statue of limitations According to the federal credit reporting act everything on my consumer report has to be 100 % accurate. I am informing Transunion you are reporting incorrect information on my consumer report. Related to ( XXXX, XXXX ) FCRA states I am entitled to a 100 % report if not it should be deleted. It is reporting an incorect late payment for XX/XX/year>. Not only is it paid as agreed. Furthermore, its extending THE STATUE OF LIMITATIONS. Posting a XXXX day late payment without a XXXX prior. Please delete late payment and update as paid as agreed. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Spring Oak Capital regarding a debt that appears on my credit report. I dispute the legitimacy and accuracy of this debt, and I believe Spring Oak Capital is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that this debt be removed from my credit report immediately for the following reasons : 1. Violation of FDCPA ( 15 U.S. Code 1692g ) Failure to Provide Validation of Debt : Spring Oak Capital has failed to provide me with proper validation of the alleged debt. Under FDCPA, I have the right to request and receive validation, including detailed information about the origin, validity, and amount of the debt. Despite my request, Spring Oak Capital has not provided this information, and they continue to

report this debt on my credit report. 2. Violation of FCRA ( 15 U.S. Code 1681s-2 ) Inaccurate Reporting : Spring Oak Capital is reporting inaccurate information on my credit report in violation of the FCRA. Since the debt has not been validated and I dispute its legitimacy, this inaccurate reporting is harmful and should be corrected immediately. The FCRA mandates that furnishers of information, such as debt collectors, ensure that all information provided to credit reporting agencies is accurate and complete. Failing to verify the debt before reporting it is a clear violation. 
3. Right to Dispute under the FCRA : I have submitted formal disputes to the credit reporting agencies regarding this debt, yet Spring Oak Capital continues to furnish the disputed information without properly investigating the dispute, as required under the FCRA. This failure to conduct a reasonable investigation violates my rights under 15 U.S.C. 1681i ( a ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$9700.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: OH

Complaint narrative:
XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the handling of my contract with your company. I have reason to believe that Conns Furniture has engaged in fraudulent activity by using my contract as collateral for cash advances without informing me. This action was done without my knowledge or consent, and I was not made aware that the liability of this transaction would ultimately be transferred to me. 

Under contract law, transparency is required, and as the consumer, I should have been informed that my contract was being used for monetary gain on your end. The failure to disclose this critical information constitutes fraudulent misrepresentation. You did not inform me that my liability would be transferred while you benefited from cash advances using my contract as collateral. 

I demand immediate action to address this fraudulent practice, including removing any negative reports associated with this account from my credit report and providing a complete breakdown of how my contract has been used. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as these practices violate my consumer rights. I request a prompt investigation and resolution.

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: Consumer Collection Management. Inc
State: OH

Complaint narrative:
Went to custom ice jewelry store. Asked about financing owner told me it would show a soft pull on my credit report but instead there is a charge off of over XXXX dollars. I did not receive any product. This charge is inaccurate and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have contacted the XXXX XXXX XXXX repeatedly over time to try and settled my alleged debt with them. My calls and proposals continuously go unanswered, until suddenly, Im being served paperwork for a lawsuit. I was served once ; and contacted them immediately to resolve this. They do not keep up with clients at all, they do not have autopay for payment plans, they do not send monthly bills or payment reminders, they do not send monthly statements, therefore keeping tracking of payments and due dates is impossible due to the lack of infrastructure on their website. The second time I found out they were suing me, they had gotten a judgement against me to levy my bank account- I was not notified of any delinquent payments on my plan, I was not notified of the new lawsuit, I was not notified of the bank levy, I was only made aware by a law firm offering their legal services to me with the public record from the local courthouse. I notified them immediately that they did not have the right to levy my account as it is shared with a third party, and has protected funds in it. They instead opted to pursue another payment plan. I have repeatedly proposed and called and sent letters about settling the debt- with no answer. They have not properly notified me of my debts in the amount or status of the debt and have also failed to notify me of pursuing legal action. They are unresponsive to most requests and this seems to be a common complaint amongst their XXXX reviews. 
The photo below shows two occasions I was supposedly served on- one of which ( XXXX ) which is incorrect. I was never served or notified of a bank levy.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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