vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0} I am writing to formally dispute the collection account referenced above, as it is currently subject to litigation. Per the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I request the immediate removal of this account from my credit report until litigation is resolved. 

This account '' XXXX inclusion on my credit report during active litigation violates principles of accuracy and fairness. Until final legal determination is made the validity of this debt remains unconfirmed, and reporting it as an outstanding collection is misleading and potentially damaging. 

Under Florida Law, all debt collectors must be registered with the Florida Office of Financial Regulation to legally operate within the state as required under Florida Statutes XXXX Florida XXXX Collection Practices Act ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Around XXXX XXXX TransUnion notified me of a derogatory account with an alleged debt of {$900.00} from a company by the name of XXXX XXXX and the original company if XXXX XXXX XXXX XXXX that was opened XX/XX/year>. I am not liable for this debt of {$900.00} with either company listed above. I do not have a contract with either company listed above. These companies listed above or TransUnion will not provide me with the original contract as I request with my wet signature and identification verified. This is account is not accurate and can not be verified pursuant to 15 USC 1681i ( a ) ( 6 ) ( BX ( ii ) and other applicable consumer laws.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$9100.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$4800.00} Account Name XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$48000.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$3400.00}

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 2024-12-08 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company was trying to collect on a debt that is not accurate and refuses to verify the debt with the information requested of them. So in turn they have placed this erroneous debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
Im requesting a copy of the 1099c from XXXX XXXX XXXX finance that I didnt not receive. Its showing on the consumer credit report that the scccoint has been written off as a Profit and loss write-off and a charge off account yet I still havent gotten a 1099 c and the account is still reporting incorrectly and statutory damages should be paid out based on how long this inaccuracy has been going on over XXXX XXXX with several complaints and claims being filed with XXXX, XXXX, XXXX well as 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 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 explanation
Consumer complaint received 2024-12-08 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: FL

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 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company said I owed them, but they charged it off and didn't send me a XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I noticed XXXX collections XXXX XXXX on my credit report for the XXXX time I might add the first time I fought and got removed for identity theft this time I have filed multiple disputes still nothing the debit where in XXXX XXXX XXXX  I have never lived pre even visited XXXX  I have explained this my work history shows I have had full time jobs in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I locked my credit and still getting these collections I have plead my case multiple times even had XXXX put a not on there that I have been a victim of identity theft the company refuses to remove the XXXX collection on my credit and it is really making it hard to get into a new house I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I just received a bill in the mail from a collection agency for an apartment complex that I never lived at. I started an application at this apartment community ( and paid that fee ) but did not finish the application because I felt their process was too nosey. I never lived here and I received a bill for {$380.00}. I informed the manager when this happened but I was sent to collections. I have copies of the email correspondence and the bill received from the collection agency just now.

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 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
Northstar location services , LLC is attempting to collect a debt that they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$5600.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All theses accounts are still on my credit and needs to be removed I have asked them to take this off my credit because it is affecting my credit and I have had creditors ask them and there has been no change some of this is fraud and it needs to be removed ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraud I dont know any thing about these creditors ) I did not authorize any of these creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
Im requesting a copy of the 1099c from XXXX XXXX XXXX XXXX  that I didnt not receive. Its showing on the consumer credit report that the scccoint has been written off as a Profit and loss write-off and a charge off account yet I still havent gotten a 1099 c and the account is still reporting incorrectly and statutory damages should be paid out based on how long this inaccuracy has been going on over 12 XXXX with several complaints and claims being filed with AG, OIG, as well as XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im requesting a copy of the 1099c from XXXX XXXX XXXX finance that I didnt not receive. Its showing on the consumer credit report that the scccoint has been written off as a Profit and loss write-off and a charge off account yet I still havent gotten a 1099 c and the account is still reporting incorrectly and statutory damages should be paid out based on how long this inaccuracy has been going on over 12 XXXX with several complaints and claims being filed with AG, OIG, as well as 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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Opened account on XX/XX/XXXX, and was locked out on XX/XX/XXXX. I called in and was asked to go to a branch to show my ID. I did so, and the representative had no idea why I was asked to do so, nor did the representative know who to call about the issue.

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 2024-12-08 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: NY

Complaint narrative:
Question 1. Why did Transunion open the door for a false permissible purpose?

2. Does someone else have an account with this entity?

3. Identify the database ( s ) Transunion used to upload this soft inquiry from? I want 4. Identify the statute that permits your credit bureau to allow others to invade my privacy without my consent? 

TransUnion LLC ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) permitted soft inquiries on my credit report in violation of my privacy. My Credit report is supposed to be on a permanent security freeze. My Social Security is XXXX. 

TransUnion report dated XX/XX/year> indicated soft inquiries by : " XXXX XXXX requested on XX/XX/year> XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Permissible purpose : TO AQUIRE SERVICE, INSURE ACCOUNT. '' I did not inquire about services with this entity nor do I have a account with this entity. TransUnion did not contact me to ask whether this entity had permission to invade my privacy under a false permissible purpose. It is none of this entity 's business to peer into my credit report under false pretense.

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 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: AL

Complaint narrative:
The phone number XXXX has called numerous times throughout XXXX, XXXX, and XXXX. Theyve called me XXXX times since XXXX started. Its currently XX/XX/XXXX. They ask me to verify my name and I do, then they proceed to tell me that they cant find account information. I spoke to a XXXX and they submitted a ticket to their IT to have my name removed from the account, this was in late XXXX or early XXXX, but they continue to call me. Ive blocked their number, but when they last called, XX/XX/XXXX at XXXXXXXX XXXX  I asked to speak to a supervisor and there wasnt XXXX available. I was transferred to Customer Service and found out they were operating out of the XXXX. I disconnected and blocked their number.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7100.00}

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$56.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I lost my job so I havent been able to make the huge monthly payments on my credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've received collection letters from this company that is unable to provide detailed validation on the alleged claim. LVNV Funding LLC is attempting to collect a debt that is not owe to them in the amount of {$4200.00}

Company response to consumer: Closed with explanation