vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
Account # XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the 1099-C. The note holder or the equitable title owner are the only positions who should receive payment.

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation 2039 Banking Holiday by Congress and Franklin D. Roosevelt in 1933?

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

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 2024-06-23 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:
Account # XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the 1099-C. The note holder or the equitable title owner are the only positions who should receive payment.

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation 2039 Banking Holiday by Congress and Franklin D. Roosevelt in 1933?

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
Account # XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the 1099-C. The note holder or the equitable title owner are the only positions who should receive payment. 

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation 2039 Banking Holiday by XXXX and XXXX XXXX XXXX in 1933? 

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from XXXX XXXX , however, future payments may be received.

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 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There was a collection on my transition and all XXXX other consumer reports. File # XXXX on transunion. That collection was removed on XX/XX/2024 by transunion. On XX/XX/2024 it was put back on my consumer report on the same day Im in litigation with XXXX XXXX XXXX  that I filed with you guys FILE # XXXX. As a consumer I have rights. This is not a coincidence since the banks are linked to these credit bureaus. They practice illegal tactics. I disputed this collection with transunion did the correct process. Did my legal litigation with them and preformed my dutys as a consumer. Through that process it was removed. 4 days later with no legal steps at the same time Im in a legal litigation with XXXX XXXX XXXX  for this inaccurate collection that was removed. It gets put back on with no explanation. This is not right and unfair practices.

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 2024-06-23 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 demand an immediate reinvestigation on this account : I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX  XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Ask company to stop contacting me as this is not the company for original debt. Company consistently contacts me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There was a collection on my XXXX  and all XXXX other consumer reports. File # XXXX on XXXX. That collection was removed on XX/XX/2024 by XXXX. On XX/XX/2024 it was put back on my consumer report on the same day Im in litigation with XXXXXXXX XXXX XXXX that I filed with you guys FILE # XXXX. As a consumer I have rights. This is not a coincidence since the banks are linked to these credit bureaus. They practice illegal tactics. I disputed this collection with XXXX  did the correct process. Did my legal litigation with them and preformed my dutys as a consumer. Through that process it was removed. 4 days later with no legal steps at the same time Im in a legal litigation with XXXX XXXX XXXX for this inaccurate collection that was removed. It gets put back on with no explanation. This is not right and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: LA

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay debt the Debt collector must cease all communication 1. Jefferson Capital System XXXX XXXX XXXX XXXX XXXX MN XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX 15 us code 1662 ( B ), us code 1650, us code1662, code1635

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Description : I am filing this complaint against Equifax because they have not accurately reported my payment history to their credit reporting services on my open and/or accounts. Despite my consistent payments, Equifax has failed to update and reflect these payments on my credit report. 

Credit Reporting Discrepancy : According to my credit report obtained from Equifax, my payment history is either inaccurately reported or missing altogether. This oversight has adversely affected my credit score and financial standing. 

Impact : Due to Equifax 's failure to report my accurate payment history, my creditworthiness has been unfairly impacted. This has resulted in a lower credit score than the other XXXX bureaus and affected my ability to obtain credit. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Victim of identity theft this is not sent in error, and not a material misrepresentation. 

The account below is in my credit file from unauthorized use of my social security number and card. Specifically, XXXX XXXX has defrauded me. I have no business with them or any member of their organization. The Lease Loan or account was placed on my account without any connection to any vehicle I own. I disputed this fraudulent account last year ( XX/XX/XXXX ), and it was removed from my credit report -- -due to fraud. I have a police report and an affidavit supporting that this is a fraudulent debt I never owed. 

XXXX XXXX XXXX XX/XX/XXXX Was notified by XXXX XXXX of the change Equifax has placed this account on my credit report. And this is fraud -- still. Attached is a police report and affidavit verifying the account was and is fraudulent. 

Equifax is reporting an " ok '' status of being paid while also saying it is a charge off??? I've never made a payment because I do not owe this debt, nor is it mine debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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:
Subject : Request for Validation of Debt - ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX I am writing in response to an alleged debt associated with, XXXX XXXX XXXX XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached. 
2. The PAYMENT HISTORY with the original creditor.

3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice. 
ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS.

Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only.

Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2024-06-23 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: NC

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
Juno, a financial technology company which acts like an online bank has been holding my funds of {$17000.00} for past more than a month and I don't have access to funds and is not letting me withdraw my direct deposits to my account. Juno has partnered with XXXX XXXX XXXX and XXXXXX/XX/XXXX and XXXX. Because XXXX XXXX has filed for bankruptcy and has stopped providing access to data to XX/XX/XXXX andXX/XX/XXXX in turn has stopped processing deposits and withdrawals. 

This has impacted my livelihood as I rely on my direct deposits and they have been holding on my cash balance of {$17000.00} which I use to pay bills and mortgage payments. I request you please help me get access to my hard earned funds from this company so I can withdraw and move it to another stable and trustworthy bantk and use them for making required payments. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: NJ

Complaint narrative:
Hello, I have recently obtained a copy of my TransUnion, XXXX, and XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on file unless I have given you express authorization. Please REMOVE these inquiries from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact. Also below is a copy of identity theft report and credit report Thank you very much. 

XXXX XX/XX/year>

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 2024-06-23 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: NC

Complaint narrative:
TransUnion continues to report inaccurate information even after I sent in the proper documents

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 2024-06-23 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief