vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Today made a settlement payment in the amount of {$210.00} to Resurgent / LVNV account # XXXX. 

This settlement payment was made in exchange for deletion of all credit reporting agencies. 

I should not have to wait 30 days for account to get deleted off the credit reporting agencies database. 

Attached is receipt that payment was received by Resurgent / LVNV

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there

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 2024-03-04 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:
There are accounts as old as 2011. 15 US Code 1666b. 15 US Code 1692c. 15 US Code 1601. I never gave permission. The companies XXXX, Transunion, and XXXX have put numerous soft pulls when using their service.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against I.C. System, Inc.

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against I.C. System, Inc. for multiple violations of consumer protection laws. The company has failed to comply with the following regulations : 1. I.C. System, Inc. has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) but has placed a collection on my consumer report.

2. I have not been allowed to dispute the account per 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. The collection agency has engaged in misleading, false representation, and deceptive practices, violating my consumer rights.

4. They lack the authority to furnish any account to a consumer reporting agency without fulfilling all necessary disclosures as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. I dispute owing all debts and hereby revoke any authorization for communication via email, text, or calls. I request debt validation.

6. Additionally, I request the purchase agreement between the debt collector and the original creditor.

7. Furthermore, I demand proof of licensing and bonding from I.C. System, Inc.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against I.C. System, Inc. for their unlawful practices. I am seeking resolution, validation of debt, and protection of my consumer rights in this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I never use the services and I owe a debt that I never used it. They have been

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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 rapidly request the removal of these inquiries from my credit report as they do not belong to me, and I have no affiliation with the listed creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TN

Complaint narrative:
I was told that once I paid the settled amount for this account that it would be deleted from my credit report. I have paid this account off. Also, they are reporting inaccurate information on my credit report because the date of last activity is not reporting correctly from all three bureaus. According to 15 U.S.C. Section 1681, these companies have violated my rights. 

XXXX XXXX Account Number : 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 2024-03-04 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: TN

Complaint narrative:
I was told that once I paid the settled amount for this account that it would be deleted from my credit report. I have paid this account off. Also, they are reporting inaccurate information on my credit report because the date of last activity is not reporting correctly from all three bureaus. According to 15 U.S.C. Section 1681, these companies have violated my rights. 

XXXX XXXX Account Number : 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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received communication via mail from Capital One on XX/XX/2024. 

Please forward the below attached correspondence to Capital One. This is my response to their correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not made these accounts and strongly suspect they are scams. 
Please do a thorough investigation and remove them from my credit report immediately. I have provided evidence to support my claim.

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 2024-03-05 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: AL

Complaint narrative:
I am writing to dispute the presence of unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered inquiries that were not initiated or authorized by me. These unauthorized inquiries are unrelated to my financial activities and should not be associated with my credit history.

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 2024-03-04 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there

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 2024-03-04 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Im a victim of identity theft and have a current report police on file with Chex Systems. The following Reported Information and Inquires Viewed By Others currently listed and showing on my Chex Systems Consumer Report : XXXX is fraudulent and not my information or inquiries : XXXX XXXX XXXX XXXX, XX/XX/2024, {$1000.00}, XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2024-03-04 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: Credit Karma, LLC
State: MN

Complaint narrative:
Someone used my name, birthday, and social security number to open up an account on the credit Karma website. This exposed all my financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I ask them to verify the debt, Under the XXXX XXXX  XXXX use XXXX, it is a crime if companies don't accept XXXX. XXXX use XXXX debt discharge XXXX XXXX, XXXX use XXXX validation of debt, they could not validate the debt because it was XXXX XXXX with a XXXX balance, No consent was given under XXXX XXXX XXXX XXXX due to XXXX, XXXX XXXX XXXX presented for debt. XXXX, and deception on behalf of XXXX XXXX and Exeter Finance. Exeter also changed names and breached any and all contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
they put me in foreclosure and is still trying to and locked me out of account after bankruptcy on XX/XX/XXXX... so I can't pay for the mortgage and still trying to get a new mortgage to pay them off ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent. I urge you to take the necessary steps to address these inaccuracies promptly.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX  Discover credit XXXX XXXX XXXX XXXX. 

This agencies, most of them debt collection agency, submitted a collections to XXXX, XXXX, XXXX and XXXX. I did not have anything to do with these agencies but when I ran my credit report, I found multiple credit enquiries and collections on my credit report. I believe that I am a victim of identity theft. I have provided my date of birth, Social security number and full names to fake or scam job or employment agencies that never got back to me, I have provided the same information via email and phone and I lost my identity cards such as government ID, social security card and passport last year. 
I have contacted the credit reporting agencies and collections agencies to dispute this collections account and as part of the process of disputing this collections accounts, I am required to also notify FTC and this is the purpose of this complaint. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Like I mentioned the credit card compagnies are trying to connect false information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: IL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
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 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-04 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: PA

Complaint narrative:
I need to re-escalate these accounts that have been previously deleted by XXXX and XXXX but TransUnion remains reporting the same faulty and unauthenticated accounts on my credit files.

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