vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
This letter serves as a formal notice of violations of multiple federal and state laws These violations include, but are not limited to, the following : XXXX XXXX. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : Failure to safeguard my nonpublic personal information ( NPI ) as required under the Privacy and Safeguards Rules.Unauthorized disclosure of NPI to third parties without my consent. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : your agents or third-party debt collectors engaged in deceptive or abusive practices during the repossession process, including unauthorized access to or disclosure of my financial information. Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681 : Improper access to or reporting of my credit information Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq. : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) by mishandling my information or failing to adhere to legal repossession practices. 
XXXX XXXX XXXX - Account Number : XXXX. 
XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Demands and Notice of Legal Action-To resolve this matter and avoid escalation, I formallydemand the following : Remove this account from my credit profile. This letter serves as formal notice of intent to pursue all available remedies under applicable law. I urge you to treat this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: Consumer Portfolio Services, Inc.
State: CT

Complaint narrative:
15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed my XXXX XXXX account # XXXX was reporting inaccurately. I have a late payment for XXXX that was in fact paid on time. The consumer reporting agencies have a need to report ALL information with COMPLETE ACCURACY. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the same data furnisher, they should have consistent information. XXXX clearly shows I was never late which is accurate. Im requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified as accurate, I demand these payments be updated to paid on time IMMEDIATELY. Thank you for your understanding and prompt action.

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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXonsumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
To Whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following Information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof of an original consumer contact with my signature on it that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

LVNV Funding LLC XXXX Delete these items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I paid money in advance to a credit reporting agency. I did not get a full report of everything that was done by the company ( Lexington Law ) against me in particular. 
I have been trying to get in contact with someone of authority, I would prefer to speak with XXXX XXXX who is the directing attorney who is the attorney mentioned in the CFPB lawsuit. I want to find out what violations they conducted against me specifically. I have been unable to get in contact with a licensed person who is authorized to give me this type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I noticed several fraudulent charges on my card on XX/XX/XXXX and reported it to USAA. Almost a month later on XX/XX/XXXX USAA sent XXXX letters to me that stated some charges were fraud and others were deemed not fraud. All of the charges were in fact fraud as I had my card stolen. They failed to provide any explanation how some charges could be fraud and others not fraud. I spoke with them on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  None of those calls resulted in any additional information or when they would correct the mistake. In the mean time they are demanding I pay nearly {$500.00} in fraudulent charges without even an explanation as to why i am being held responsible for fraud charges that they should have caught as 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Subject : Illegal Re-Aging of Debt and Harmful Credit Reporting Practices by Credence Resource Management Details of the Complaint : I am filing this complaint against Credence Resource Management for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. Illegal Re-Aging of Debt : Credence Resource Management is reporting a debt on my credit report that originally became delinquent in XXXX. However, they have updated the account with a status date of XX/XX/XXXX, which constitutes illegal re-aging. 
Under the FCRA ( XXXX XXXX. XXXX ), negative information, including collection accounts, XXXX only remain on a credit report for XXXX years from the date of first delinquency. By resetting the delinquency date, Credence Resource Management has violated federal law. 
XXXX. Harm to XXXX XXXX XXXX : This inaccurate reporting has caused a significant and unjustified drop in my XXXX XXXX, which was previously over XXXX. This drop has resulted in financial harm, including higher interest rates and potential denials of credit. 
XXXX. Violation of FDCPA : By reporting inaccurate information and misrepresenting the status of the debt, Credence Resource Management is in violation of the FDCPA ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading practices.

Additionally, attempting to collect or report a time-barred debt constitutes unfair or unconscionable practices under 15 U.S.C. 1692f. 

Steps I Have Taken : I have disputed this inaccurate reporting with the credit bureaus ( XXXX, XXXX, and XXXX ). Despite providing proof that the original delinquency date is XXXX, the account remains re-aged, with the most recent status update listed as XX/XX/XXXX. 
I have contacted Credence Resource Management directly, but the issue has not been resolved. 

Attachments : Copies of my credit report showing the re-aged date ( XX/XX/XXXX ). 
Documentation of the original delinquency date ( XXXX ) from prior credit reports or other sources. 
Any correspondence I have had with the credit bureaus or Credence Resource Management disputing this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

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. 
"

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect
State: GA

Complaint narrative:
I have neen reaching out because amount is incorrect but to no avail... i want to pay the debt but amount is way over the correct amount i owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have neen reaching out because amount is incorrect but to no avail... i want to pay the debt but amount is way over the correct amount i owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
GLA Collection Co. Inc.

Subject : Dispute of Collection Account Reported by GLA Collection Co. Inc.

Issue : I am disputing a collection account reported by GLA Collection Co. Inc. for {$730.00}. I have no knowledge of this debt, and it appears on my credit report without my authorization or verification. 

Details : Collection Agency : GLA Collection Co. Inc.

Balance : {$730.00} XX/XX/year> Original Creditor : XXXX XXXX XXXX XXXXc - New I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). This account may have been added in error or could be a result of identity theft.

Impact : This inaccurate collection account is severely affecting my credit score and financial standing. I request an immediate investigation and resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-07 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: DE

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. 
"

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 2025-01-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe accounts listed above has been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and i am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts, and i have taken steps to resolve this matter, including filing an identity theft report with the FTC. Under 15 U.S.C 1681c-2, the Fair Credit Reporting Act ( FCRA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation, and any fraudulent information must be removed from their credit report. As I have filed a formal identity theft report, I am requesting that you investigate these accounts thoroughly and remove it from my credit report. I also asked that this be done in a timely manner do it affecting my credit score and livelihood.

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 2025-01-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-01-07 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit accounts on my credit reports that I didnt authorize or belong to me!

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 2025-01-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief