vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon closely inspecting my most recent credit report, I noticed an unauthorized credit inquiry that has yet to be addressed. This clearly indicates a breach of my credit security under your watch. Despite my submission of FTC report XXXX XXXXXXXX, this matter remains unresolved. I previously reached out to the company listed below, requesting the removal of this unauthorized inquiry from their records and from all credit reporting agencies. They confirmed their intent to comply and each received a certified letter acknowledging the inquiry was unauthorized. I now demand the prompt removal of the unauthorized inquiry mentioned below. This complaint highlights an unauthorized hard credit inquiry that persists on my report, with XXXX ( XXXX ) inquiry still visible. For your reference, I have enclosed my latest FTC report, number XXXX. Your continued lack of response is deeply disappointing. When will EQUIFAX act to eliminate this inaccurate hard inquiry from my credit file? My repeated requests have been ignored for an extended period. Please discontinue any delaying tactics and remove the inquiry : EQUIFAX : XXXX XX/XX/2023. As per the Fair Credit Reporting Act XXXX XXXX ( a ), you are mandated to remove items that were opened without my consent, knowledge, or authorization within XXXX business days of receipt, provided that you receive ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of the information by me; and ( XXXX ) a declaration from me that the information is not linked to any transaction by me. This notice serves as a formal warning that failure to remove this inquiry from my report will compel me to initiate legal proceedings. My attorney is fully aware of this situation and is prepared to take action against noncompliance. This is my XXXX XXXX. Remove the erroneous inquiry from my credit report immediately. Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX late closed XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent LVNV This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account Resurgent LVNV Account # XXXX for violations of FCRA Section 611 for RE : Insertion of Account with no notice within 5 days of Re : Insertion ; and also Section 623 Resurgent LVNV is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Also per Regulation F 1006.34 never received form B-1, notice of disclosures, prior to inital reporting of account. After multiple RE : Investigations never received request for Account Level Documentation Forward Flow Sale or ownership documents with tracking numbers ; certified return receipts with delivery confirmation signed by me. They have never followed proper procedures, and guidelines of governing bodies. 

Accuracy of Report According to reference statues and laws 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 are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. This is a last ditch effort. I have filed multiple complaints with the XXXX, CFPB, and, XXXX, XXXX XXXX and Resurgent LVNV Please reference all credit reports and files attached to complaint as exhibits and evidence of Resurgent LVNV failures to follow FCRA, FDCPA guidelines, regulations, and laws. And timely following procedures, protocols and execution of responsibilities. 
This account first appeared on report dated XX/XX/XXXX with only XXXX as reported account. 
On XX/XX/XXXX report separate Resurgent LVNV account was Re : Inserted to report and XXXX was Re : Inserted Date Opened : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Reported : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Do not match XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Payment History : Do not match XX/XX/XXXX XXXX Reporting account Charge Off XX/XX/XXXX XXXX XXXX account OK XX/XX/XXXX XXXX no report Payment Status : Do not match XXXX Charged Off ; XXXX Charged Off XXXX Late 120 days Past Due : Past due balance on a charged off account XXXX no data XXXX XXXX XXXX XXXX Account deleted from credit report dated XX/XX/XXXX for XXXX, and XXXX no deletion for XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-06-11 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
You Violated the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.

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 2024-06-11 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: NY

Complaint narrative:
You Violated the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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:
I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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 non-monetary relief
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$42000.00} XXXX XXXX Balance : {$10000.00}

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 2024-06-11 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
I financed a XXXX home generator through Sunnova in XX/XX/XXXX that was purchased from and installed by the XXXX XXXX XXXX located In XXXX, FL. Sunnova filed several ( three ) XXXX financing statements against my property through XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for solar equipment that I never financed through them nor that I have installed on my home. After I filed complaints again Sunnova for the bogus filings, Sunnova terminated the previous XXXX financing statements for the non-existent solar panels and then filed another XXXX financing statement against my property for the generator, even though a representative from the company stated that they do not file such documents for accessory equipment. The representative even badgered me to provide a system ID for solar panels that do not exist. I filed another complaint against Sunnova for the XXXX financing statement that was filed in XX/XX/XXXX for the generator, and the response from another representative stated that the XXXX was not a XXXX and that the company has a security interest in my property for the generator. The financing contract that I had with Sunnova for the generator was for XXXX percent interest for 18 months. My final payment was made on XX/XX/XXXX and the payment was processed on XX/XX/XXXX. I contacted Sunnova customer service via email requesting that the XXXX filing be terminated from my property. The response that I received from XXXX XXXX, a customer service representative, was that the XXXX would be automatically removed. I informed XXXX that it was ironic that the filing was characterized as a lien when another Sunnova representative said that it was not. As of this date, Sunnova has not terminated the lien against my property that was filed in XX/XX/XXXX for their supposed security interest with respect to the generator and associated equipment that were not identified. Sunnova has no valid security interest in my property and has been engaging in these shady business practices with respect to my property for the past XXXX to XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my latest credit report, I found that unauthorized credit inquiries remain unresolved, indicating a compromise of my credit under your supervision. Despite submitting FTC report # XXXX, these issues persist. I have previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They confirmed their intent to comply, and each company received a certified letter confirming the inquiries were unauthorized. I now demand the immediate removal of the unauthorized inquiries listed below. This complaint concerns several unauthorized hard credit inquiries on my report, with XXXX  ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am extremely frustrated by your lack of action. When will EQUIFAX address and remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Cease delaying and remove the following inquiries, as well as the addresses I do not recognize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are required to remove items opened without my knowledge, consent, or authority within four business days, provided you have ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This letter serves as formal notice that if these inquiries are not removed from my report, I will take legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my FINAL WARNING. Remove the inquiries resulting from erroneous credit reporting immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 2024-06-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I signed up four days ago ( Saturday XX/XX/XXXX ) on a computer as I had received the card with my unemployment funds. 

I tried signing in on the same browser immediately minutes after establishing an account and confirming my card. The system said I signed in from an unknown computer and I was locked out of my account for XXXX hours. 

Two days later I attempt to sign back in. The website was malfunctioning. The app was malfunctioning. I couldn't access the login screen. 

I attempting to sign in through three separate computers, and three separate browsers. All failed. 

I tried signing in on an android app, and an apple/iPhone app. All failed. 

The login portal finally loaded after five hours but has been refusing my login credentials. It claims they are wrong. 

I have spent XXXX hours over four days resetting passwords, confirming username etc. Nobody is able to grant me access to my account. They file " internal tickets '', they file " supervisor callbacks '', which all mysteriously go missing in their system. 

I tried using the automated phone system to withdraw money. It will not allow me to do so. It claims errors. 

I tried withdrawing money through an approved atm, it refuses the amount and says it's too large even though it's under the described allowed limit ( {$600.00} ). Their customer services says their is no trace of me attempting withdraws. 

The whole system has me locked out. Nobody is able to help after spending four days trying to get it resolved. My money is being held hostage by money networks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CL Holdings LLC
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

-According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. 
Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

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 2024-06-11 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: MO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: MO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation