vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX balance. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX {$430.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$2500.00} In good standing XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$500.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX  {$470.00} In good standing XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$230.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX  {$5500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3600.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$510.00} In good standing XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$860.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$740.00} In good standing XXXX XXXX Reported : XXXX. XXXX XXXX XXXX {$160.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$200.00} In good standing XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX  {$410.00} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX balance. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
XXXXXXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX  {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX {$430.00} In good standing XXXX XXXX Reported : XXXX XXXXXXXX XXXX XXXX {$2500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$1300.00} In good standing XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX {$470.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$230.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX {$5500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$3600.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$510.00} In good standing XXXX Reported : XXXX XXXX XXXX XXXX {$860.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$740.00} In good standing XXXX XXXX Reported : XXXX. XXXX XXXX XXXX  {$160.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$410.00} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collection items listed on the provided report are inaccurate and stem from identity theft. I am not responsible for these debts and demand their immediate removal. I am being unfairly harassed through relentless communications targeting my family, electronic devices, and mailbox. This constant barrage is causing undue stress and XXXX. I urge you to rectify this situation promptly and cease all contact and collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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:
I discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score.

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 2024-08-10 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: SC

Complaint narrative:
I discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: IL

Complaint narrative:
I am filing this complaint to bring to your attention that TransUnion has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. ( See attached proof ) These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

TransUnion is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : * 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

* 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that TransUnion provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

* 15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled.

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 2024-08-10 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I filed reports with the FTC and law enforcement for identity theft. I sent certified mail to XXXX to block all accounts on the report as well as any collections resulting from said accounts. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I ask that XXXX remove these collections from my account within XXXX business days : LVNV Funding LLC XXXX LVNV Funding LLC XXXX LVNV Funding LLC XXXX I never heard of this company nor have I agreed to or entered into any contract with this agency. They fraudulently obtained my information from accounts that were opened as a result of identity theft. Those fraudulent accounts have been removed. I request that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that this information be removed and blocked from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I am writing in regards to an alleged debt with Midland Credit Management Acct XXXX XXXX that your company has on my credit profile. I am requesting Assignment Contract of the debt details. The Fair Debt Collection Practice Act requires debt collectors to validate the debt upon request. Can you provide the name of the original creditor as well as the account number associated with the debt. Proof that I am the person who owes this said debt along with the original amount of said debt, I would also like and itemized statement showing how the current balance was calculated. Documentation stating that your company has legal authority to collect on this debt. I XXXX XXXX am not ADMITTING OWNERSHIP OF THIS SAID DEBT until debt is proven valid. Per The FDCPA you must seize all the collection efforts until your company has proven proper validation of Debt. I am disputing the validity of this said debt please provide the requested documentation in writing and you have 30 days to do so. At any state you fail to comply with validating the debt it will be taken as absolute refusal to do so. This is also being reported as income to the IRS per a 1099C Be advised that if it is found your offices have made a report with false information to XXXX, XXXX, or XXXX XXXX this may constitute fraud in both Federal and State law. If you are working on behalf of the creditor, you will also need to provide Details of your company and license of authority The date of your license agreement The name on the license License Number Registered address and telephone number of the license provider XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: MA

Complaint narrative:
Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the XXXX credit bureaus, and I request an investigation and correction of these discrepancies. 
*Disputed Account Information : * - Creditor : XXXX  - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. 
Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.

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 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
Sentry Credit put a collection of debt on my credit report. I never received notice of the debt owed and asked to provide an itemization of the debt from XXXX XXXX XXXX since I had moved out a year ago. 

Sentry Credit received the certified letter, I have the signed return receipt, and they have yet to respond to my letter and are still are reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting 3 collections on my credit report. These accounts were opened fraudulently. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that these accounts be removed and blocked within 4 business days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I just created an account with Ally Bank only for them to approve me and to run into trouble as soon as I am approved their profile creation wasn't working so then I had to call Ally Bank and wait on hold for about an hour before I could get in touch with someone only for them to call me back 2 hours later and finally I could create me a profile only they had to do it because for some reason I couldn't do it on my own after that I ran into trouble with their XXXX not working for me to be able to transfer funds into the account because of course they don't offer virtual debit cards " okay I'm fine with that '' however their XXXX wasn't working so I ended up having to use my cash app to wire transfer funds into the account and that took another whole couple of minutes because I didn't know the routing number or account number and I had to look it up online after all this I was talking to someone on customer service mentioning all the problems I had and they had contacted someone about changing my password apparently and now I got locked out of my account because of too many tries so now I have trouble verifying my information because their system is incapable of knowing my name which is very simple and now I'm stuck with money I transferred into the account but now I have no money for bills and there's no telling when they'll get back to me not to mention I'll still have to wait for them to send the debit card. this is XXXX ridiculous it's outrageous they want me to verify with what exactly I'm XXXX XXXX XXXX I don't even have a job yet and they can't just listen to my information that I can give to them so what do I do this is very unprofessional for a bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I am writing in regards to an alleged debt with Calvary Portfolio Serv Acct XXXX XXXX that your company has on my credit profile. I am requesting Assignment Contract of the debt details. The Fair Debt Collection Practice Act requires debt collectors to validate the debt upon request. Can you provide the name of the original creditor as well as the account number associated with the debt. Proof that I am the person who owes this said debt along with the original amount of said debt, I would also like and itemized statement showing how the current balance was calculated. Documentation stating that your company has legal authority to collect on this debt. I XXXX XXXX am not ADMITTING OWNERSHIP OF THIS SAID DEBT until debt is proven valid. Per The FDCPA you must seize all the collection efforts until your company has proven proper validation of Debt. I am disputing the validity of this said debt please provide the requested documentation in writing and you have 30 days to do so. At any state you fail to comply with validating the debt it will be taken as absolute refusal to do so. This is also being reported as income to the IRS per a 1099C Be advised that if it is found your offices have made a report with false information to XXXX, XXXX, or XXXX XXXX this may constitute fraud in both Federal and State law. If you are working on behalf of the creditor, you will also need to provide Details of your company and license of authority The date of your license agreement The name on the license License Number Registered address and telephone number of the license provider XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Capital ONE Auto Finance ; I was shocked TODAY when I reviewed my credit report with my loan officer and found late payment between XX/XX/2023 ; and XXXX to XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements, probably when i was XXXX and sick with XXXX. And also my only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am writing this report because im an a victim of identity theft. Upon reviewing my credit report i noticed an account listed listed on my report under my name that i dont not recognize. I did not authorize this account. I have never applied or signed up for this credit card. The fraudulent account was opened without my consent.I respectfully ask that this account be investigated and removed from my credit report profiles immediately. The account is putting financial burden on my credit history. Please confirm in writing that this account has been deleted from my credit reports. I have attached an ftc identity report for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
I try to access information on my credit score on TransUnion and I can not log into my account or reset my password. The only customer service line does not pick up and directs me to a text-based services that seems very fishy. 

I am trying to access to my credit score with TransUnion and freeze/unfreeze my account and effectively blocked out of doing any of 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 non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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.

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 response to consumer: Closed with non-monetary relief