vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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:
" 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. List all accounts : "

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 2024-06-12 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: CA

Complaint narrative:
Ive sent multiple letters to Transunion and XXXX regarding negative accounts on my profile. They arent responding. 

Acct. # : XXXX Furnisher Name : XXXX XXXX This is not my credit account. Can you verify if my name has been mixed up with someone other than me please and then erase this component from my credit file. 
Acct. # : XXXX Furnisher Name : XXXX Why did you overlook my letter last month? This is not my collection. Kindly check into and erase this component from my credit report. 
Acct. # : XXXX Furnisher Name : XXXX How can you ignore my letter the previous month? This can not be my collection tradeline. Respectfully examine and erase this item from my account. 
Acct. # : XXXX Furnisher Name : XXXX How can you avoid my dispute the previous month? This is not my collection account. Respectfully examine and eliminate this bit from my credit account. 
Acct. # : XXXX Furnisher Name : XXXX How could you ignore my dispute the previous month? This can not be my account. Please check into and expel this component from my file. 
Acct. # : XXXX Furnisher Name : XXXX How could you overlook my dispute last month? This is not my tradeline. Respectfully review and get rid of this bit from my credit record.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
My account with SELF/SSTATBK was never late! I have had exceptional payment history witH SELF/SSTATBK 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 XX/XX/2024, 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. 


SELF/SSTATBK 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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
On my credit report there is a negative inquiry and balance reported by LVNV Funding LLC. 

This company purchased a debt from a creditor who did not notify me of the balance or actions and from the information I could gather filed litigation back in Ohio where I had no longer resided since XXXX yet was somehow able to receive a default judgement in their favor. 

I'm not entirely sure how this was a possible without my knowledge and without providing me any account information regarding the validity of the debt or statement of charges to verify the balances. I was going through a contentious divorce and custody battle in the prior year and wanted to see what charges were applied to ensure the card or account was not being used by another party. 

I am disputing the validity of this debt and would like to obtain the following from the creditor : The signature or notice provided by the process server showing I was informed of the debt and court date. 

Provide me any signatures for any signed transactions part of this balance in addition to the original application for credit and individual fees that accrued as a result of the debt. 

Provide me the date and amount of the debt that was purchased from the original creditor and what it was sold to them for prior to filing suit against me and the right to collect on this debt without my knowledge. 

Provide me the balance claimed as being due is calculated properly Provide how the loan has not been rendered unenforceable due to the expiration of the statute of limitations of the state in which they sought judgement without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian offers ( as is required ) the ability to freeze a minor dependent 's credit. 

I followed their instructions exactly ( mailing the full list of identifying documents, including copies of birth certificates and social security cards ) to freeze my minor dependent 's credit. 

I got a paper mail back that simply said " you did not send the required information '', with no indication of what was missing. 

I attempted to contact Experian via their website and their phone number, but on the website the only customer service option was an AI chatbot, and on the phone it's just an infinite tree of prerecorded messages. 

So I'm stuck now -- I can just send the same documents again, but I'll just get the same letter back, and there's no way for me to figure out what is missing. I'd happily send them the documents again, but I want to make sure I get the right set of documents this time... and that requires knowing what was missing last time.

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 2024-06-12 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:
PLEASE BLOCK AND REMOVE I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID.

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.

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 2024-06-12 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: FL

Complaint narrative:
I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID. 

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX to send money through XXXX XXXX XXXX XXXX. The attendant instead of XXXX  XXXX XXXX XXXX used Check free pay to send the money into my XXXX XXXX  XXXX account. After few days of realizing that the payment did not reflect on my Mortgage loan account with XXXX I started calling. I called XXXX XXXX  and I was told the money sent on XX/XX/year> was blocked on XX/XX/year> from being deposited to my mortgage loan account, because XXXX will never receive money from Check free Pay. This has been the situation and many of XXXX customer had fall into this situation which should have caused Check Free Pay to remove XXXX from the list of organizations they transact with. 
XXXX XXXX  did not accept the payment, so I reached out to Check Free Pay for the refund of the money but to my surprise, Check free said the money is not with them. This is putting me in a very serious situation that may affect my credit if the money is not available on time to make the Mortgage payment. According from XXXX, this is not the first time they block transaction from Check free Pay, it has happened to thousands of their customer where Check free would not refund money on time to the customer in order to meet up with their mortgage payment. 
I want Check free to refund the money as soon as possible so that I can make the Mortgage payment. 
I can provide the Transfer #, Amount, and XXXX XXXX account upon request at will. 

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 explanation
Consumer complaint received 2024-06-12 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
Transunion. Is report inaccurate balance of my credit card it is much lower than what is being reported and thus is hindering me getting an apartment.

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 2024-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
In XXXX 2021 I met a woman who was friends with a loan XXXX in Navy federal credit union. I began having communications with XXXX XXXX. She was a loan XXXX with Navy federal credit union. She explained that she could help my husband and my self purchase home. She then stated that it would be like {$5000.00} to get the lot that we wanted for our home and such. The next thing I knew she was in trouble but we were turned over to another loan XXXX that would get the job done. From that point on it has been money needed for various things different people over the loan. The head over the fraud department came in and told us that we had to make these weekly payments in order to keep from going to jail. We would still get our home. Every time we are set to close something comes up, there is some problem and we never follow through. We are out of well over {$200.00}, $ XXXX we are homeless and we are still being asked to send money to have documents made! I have all the text messages from everyone that has been involved with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: IN

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: LEXISNEXIS
State: GA

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: LEXISNEXIS
State: PA

Complaint narrative:
XXXX XXXX XXXX Number : XXXX Case Number : XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> I am writing about incorrect information on my consumer report. I asked you before to delete this wrong information, but nothing has been done. This is my final attempt to resolve this issue before I take legal action. 

LexisNexis has not provided any details about how the accuracy of my report was verified. I need to know who verified the information, their contact number, and the date of verification, especially concerning the claims from XXXX XXXX XXXX and XXXX XXXX. 

As a consumer, I have the right to privacy, and this inaccurate bankruptcy information must be removed from my report. Additionally, I request the removal of claims by XXXX XXXX XXXX and XXXX XXXX because they have not been verified. 

Please address this matter urgently and confirm the deletion of the incorrect information from my consumer report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by icmarkets.bid which involved me making deposits for a total amount of XXXX XXXX  from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I paid off my credit card and per the disclosures I had there was no fee for not using the card. I couldnt use the card if I wanted to. The card did not work. 

I called to cancel my card after I got notice I owed {$12.00} for not using my card. I was notified my card had a block on it due to them not receiving photo ID from me. I was never notified that they needed this. They are adamant they sent me notice but I strongly disagree. 

There is something wrong with this. This is a violation of XXXX XXXX XXXX in lending since they are citing disclosures that were not provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV is a debt collector who has purchased my charged off account from XXXX XXXX and XXXX XXXX Bank. Charge off accounts are considered income and cant be reflected on a credit file. Also I didnt have any control over them purchasing a past debt and i didnt consent or have a written or verbal agreement to pay them after they purchased the debt. They are not acting on the behalf of the original creditor, nor are they affiliated with the original creditor. I have several complaints that have not been handled and this company has thousands of complaints in your database. I have also sent a letter to this collector and the Attorney General and they have yet to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
According to the IRS & law 15 USC 1681, canceled debit ( charge off ) is ordinary income that should not get reported on my consumer report. With that being said Ive never received 1099 c forms from the company on my consumer report. 
Santander consumer U to discharge and remove this inaccuracy.

Company response to consumer: Closed with explanation