vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2024-11-03 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am writing to address a concerning issue regarding the title of a trailer that I recently financed through XXXX Financial. To date, I have not received the title for the trailer, and as a result, I am unable to register it in accordance with Missouri laws. 

This oversight is causing me significant financial harm, as I am unable to legally operate the trailer and utilize it for its intended purpose. I believe that this situation violates the law and is a breach of the terms of our agreement. 

If this matter is not promptly resolved, I will have no choice but to seek legal action against XXXX Financial and XXXX XXXX to rectify the situation and claim damages for the financial losses incurred.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I've sent multiple letters regarding the addresses for XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I have informed the bureaus that I have been a home owner since XX/XX/2016 & I have yet to live anywhere else. Therefore these addresses should not be listed on my credit report. 

They have blatantly ignored my request. These addresses could potentially be linked to negative or damaging accounts that clearly DO NOT belong to me. I have already informed the bureau of my intent to file complaints yet they have still disregarded my demands.

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 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I reached out and sent request to verify debt. I haven't received any information regarding thuis matter. I also dispute it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex gift cards are advertised to work as a normal card work, but often get declined at many online and physical locations. This makes them impossible to use. Company response is to use the card at a different merchant, which makes the card unusable as intended. 

XX/XX/year> - loaded card with {$750.00} XX/XX/year>- attempted to use card to pay federal income tax at XXXX XXXXXXXX XXXX XXXX but card was declined multiple times Customer service number on website is entirely automated and does not help with declined transactions. Adding the card to XXXX XXXX did not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-03 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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Never received any notice of debt I tried to dispute with credit bureaus with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from Citi in the future ; I want this removed because it is FALSE.

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 2024-11-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX under 15 U.S.C. 1681s-2 Dear CFPB Representative, I am writing to file a formal complaint and dispute concerning two accounts reported by XXXX XXXX under two different account numbers : XXXX and XXXX. I am disputing the accuracy of the information being furnished by XXXX XXXX, as the accounts are being reported inaccurately on my credit file. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information, including XXXX XXXX , are required to report accurate and complete information to credit reporting agencies. As part of this duty, they must promptly investigate any disputed information reported by consumers. I have reached out to XXXX XXXX directly to correct the errors, but the issue remains unresolved. 

Details of the Dispute : XXXX. Account Number XXXX : This account is inaccurately reported, and I am requesting verification and correction of the information associated with it. 
XXXX. Account XXXX XXXX : This account also contains inaccuracies, and I am disputing the reported information, as it appears incorrect. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX fully complies with 15 U.S.C. 1681s-2 by conducting a thorough investigation and correcting any inaccurate information associated with these accounts. 

Please let me know if any additional documentation or information is needed to process my complaint. I appreciate your attention to this matter and look forward to a resolution that ensures accurate reporting. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation and verification of a debt. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the alleged debt within 30 days of receiving your initial notice. Additionally, I am disputing the debt under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) to ensure that any unverifiable information is not reported to credit bureaus. 

I request that you provide documentation to substantiate the validity of this debt and confirm your authority to collect on it. Specifically, I request the following : 1. Proof of Debt Validity : Please provide an itemized statement showing the principal, interest, fees, and other charges that constitute the amount owed. 
2. Legal Right to Collect : Documentation demonstrating that [ Debt Collectors Name ] has the legal authority to collect on this debt, which includes any purchase agreements and assignment contracts that link this debt to your organization. 
3. Original Creditor Information : The name and address of the original creditor, along with any associated account numbers or identifiers, to verify that this debt is accurate and that you are legally entitled to pursue its collection. 

Until this information is provided, please consider this letter a formal dispute of the debt, and cease all collection activity, including any reporting to credit bureaus, until verification is complete. 

Thank you for your attention to this matter. Please send all correspondence regarding this request to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally address the inaccurate information you are reporting on my credit report regarding the alleged debt associated with my account. This letter serves as a true bill and a demand for validation of this account under penalty of perjury, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following documentation : A complete accounting for this account. 
A copy of the assignment of purchase from the original creditor. 
A detailed breakdown of every charge, including what was purchased, fees, payments, and interest credited. 
An explanation of how you calculated the amount you claim I owe. 
A full chain of assignments from charge-off to the present. 
Proof that you own the debt, including clear title. 
Evidence of your involvement in the original contract. 
It is essential to note that under FDCPA 809 ( b ), a debt collector is required to validate the debt upon request. A third-party debt collector can not assert an interest in an alleged debt without proper validation. Failure to provide this validation constitutes a violation of my rights under the FDCPA. 

Furthermore, 15 U.S.C. 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. If you verify inaccurate information with credit bureaus without providing the requested documentation, you may be liable for damages under this statute, including potential penalties for negligent or willful non-compliance. 

If you are unable to provide sufficient proof for the items listed above, you must delete this account from all three credit reports immediately. 

Be advised that I have retained an attorney who specializes in lawsuits against debt collectors, and they will be on standby for further action if necessary. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Someone hacked into the account and took money fraudulently, the company deducted the amount to be paid back from my checking account and is refusing to refund me. Two different withdrawals were made from my checking account for {$650.00} and {$640.00}. 
When I first reported it on XX/XX/XXXX, the lady I spoke with said she new it was fraud and did not lock the account, the following week the scammer used a virtual card through money lion after I reported it for over {$2000.00} in charges. I called again the following week and explained I need my money back to pay my mortgage. They again said they new it was fraud and it would be refunded. Now I received to emails saying that they investigated and found no errors and will not refund me. You can clearly see that the money went to Texas, I live in Florida. Additionally, there was a routing number and bank account listed that was not mine so they can see this money did not go in my account. 
The banking routing number use XXXX Banking account # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute an incorrect address that appears on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

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 2024-11-03 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-03 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: NY

Complaint narrative:
incorrect accounts and inquires on my report that I would like to be remove ACCOUNT 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 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 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 XXXX  ) XX/XX/XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : For past year I have been denied credit a few times, which is strange with a XXXX credit score and excellent income and payment history. When I discuss with finance manager they tell me its because I filed XXXX during a divorce in XXXX. The issue is I filed but, I voluntarily dismissed it. The way it is being displayed gives the impression as though I went through with the XXXX. I didnt. 
This is similar to someone being arrested but then charges dropped being labelled as a criminal or someone files for divorce but withdraws the case, arent they still married? The way you display would show that individual as divorced and that is wrong. 
By the way, you are displaying a record that never went through is wrong and adversely affecting me personally and financially. If you go to XXXX, which is the Federal cases current and past database, there is no record of my filing because I dismissed the case by my own volition. I was going through a nasty divorce where my wife abandoned me and my XXXX daughters. I was not thinking straight. 
I should not be punished for something I did not go through with, Im requesting it be deleted from my record. 
This adversely affecting me personally and in business. Credit departments see the info and deny me thinking I went thru with XXXX. This is wrong.

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