vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
Pudget Sound Collections is threatening to take me to court for # XXXX Medical bill I am currently trying to resolve with the XXXX # XXXX XXXX XXXX for ( {$1100.00} ) XXXX for claiming a vehicle under my name was towed by them, the vehicle in question was sold in XXXX as well as never used any towing agency for any of my vehicles and I have made all the proper documentation sent to department of licensing that the vehicle is sold prior. I attempted to contact the agency several times over email and phone but no responses.

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 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To whom it may concern This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not received any response. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B1 2. Company has also no/ permission to report anything using my information pursuant to 15 USC1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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 my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Unverified Collection Accounts Dear [ XXXX/Equifax/TransUnion ] XXXX I am writing to dispute the inclusion of certain collection accounts that have been reported on my credit file by Experian, Transunion, Equifax, After reviewing my credit report, I have identified collection accounts associated with this agency, and I want to make it clear that I did not sign any agreement or contract with them, nor am I aware of any debt being legally owed to this collection agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. In this case, the collection agency has failed to provide valid documentation that supports their claim that I owe the alleged debt. 
Additionally, under The Fair Debt Collection Practices Act ( FDCPA ), collection agencies are prohibited from reporting debt to credit bureaus unless they can provide proof that the debt is valid, which includes documentation of the original contract or agreement that I supposedly signed. Without this proof, it is unlawful for them to report such negative information on my credit report. 
{$480.00} Open balance XXXX XXXX I Original creditor {$450.00} Open balance XXXX XXXX  Original creditor {$430.00} Open balance XXXX XXXX XXXX Original creditor {$130.00} Open XXXX XXXX XXXX Original creditor XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed XXXXXXXX XXXX Account XXXX Account typeSecured Card Responsibility Individual Date openedXXXX  StatusAccount charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$400.00} In accordance with these laws, I request that you immediately initiate an investigation into these collection accounts and verify : XXXX. Whether there is a signed contract or agreement between myself and the collection agency. 
XXXX. Whether the collection agency is legally authorized to collect on this alleged debt. 
XXXX. Whether the original creditor has verified that they assigned the debt to the collection

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
REMOVE ALL THESES UNAUTHORIZED INQUIRIES ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
when checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's to furnish this information on my consumer report this is a violation of the credit reporting act section XXXX ( c ) which constitutes as fraudulent activity and violation of my privacy rights

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 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate removal of the alleged debts associated with Account # XXXX and Account # XXXX from my credit report. I have no knowledge of these accounts, nor any business relationship with LVNV fundings LLC or any creditor linked to these alleged debts. 
I previously contacted your office and requested full validation of these debts, yet you have utterly failed to provide the required documentation. Your lack of response constitutes a direct violation of my rights under the Fair Debt Collection Practices Act. Specifically, I demanded the following : 1. The original signed contract that created the alleged debt, including all terms and conditions. 
2. Full proof of the chain of ownership of these debts, with clear documentation of each assignment. 
3. Lawful evidence of any interest or fees added to the accounts, as required by the original agreement. 
4. Proof that you sent the legally required notices prior to reporting this debt to any credit reporting agency. 
Since you have completely disregarded my request for validation and failed to provide any legitimate documentation, I demand that you immediately and permanently remove these accounts from my credit report. Do not attempt to report these debts again under any circumstances. 
Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and taking legal action for violations of the Fair Debt Collection Practices Act. FTC XXXX XXXX XXXX XXXX makes it clear that its debt parking. Without proper notice is a violation of consumers rights. 
This is your final notice. I expect immediate written confirmation that these accounts have been completely removed. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
CREDIT ACCEPTANCE CORPOR SYSTEM REFLECTED VEHICLE PAID IN FULL AS OF XX/XX/2024. TITLE/ALL PAPERWORK HAVE BEEN RECEIVED BY OWNER. 
BUT, XXXX, XXXX, OR XXXX DOESN'T HAVE CURRENT PAYMENT INFORMATION AS IT HAVE BEEN RECORDED EVERY SECOND OF THE MONTH, NOR REPORT INFORMATION OF CURRENT PAID OFF IN FULL STATUS AS OF XX/XX/2024. AS OF XX/XX/2024 CREDIT ACCEPTANCE ADVISE TO WAIT UNTIL THE END OF THIS MONTH FOR REPORTING. I AM REQUESTING IMMEDIATE REFLECTION OF THE CORRECT CURRENT PAID IN FULL STATUS TO BE REPORTED. THANKS!

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this complaint against Equifax Inc. Credit bureau XXXX I have been dealing with them to unfreeze my credit report since late XXXX. I have attempted many times to prove my identity through mail with a copy of my valid drivers license, social Security card, and a written statement, and I have also used their document verification links with no success. I dont remember the date I first faxed my information to them to prove my identity nor the second time I have mailed them but the dates I have mailed them through certified mail with the united states postal service are XX/XX/XXXX and XX/XX/XXXX. The dates for their document verification links for identity verification is XX/XX/XXXX and XX/XX/XXXX. I have called numerous amounts of times with no success and was even hung up on before. Thank you for reviewing my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I looked at my report back on insert date, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly update to paid as agreed on 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. 

XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Update this account to paid as agreed.

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 2024-11-16 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:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : 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

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: GA

Complaint narrative:
On XX/XX/2024 I settled my account with Flagship Credit Acceptance for {$2000.00}. The account is suppose to reflect paid and settled but Flagship has continued to report delinquent each month since then. Even after contacting them and disputing the account XXXX times.

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 2024-11-17 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: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER IS ALLEGING THAT I OWE THEM XXXX XXXX DOLLARS, I NEVER OPENED THE ACCOUNT, THEY TOLD ME IT BELONG TO A XXXX XXXX IN NORTH CAROLINA AND EVEN SENT ME PROOF TO MY ADDRESS IN NY THE STATEMENTS THE ADDRESS DOESN'T EVEN MATCH THEY WERE SENDING IT TO XXXX XXXX. I NEVER OPENED THIS ACCOUNT AND THEY REFUSE TO HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
This breach has caused significant stress and inconvenience, as it feels like I have to remain constantly vigilant against the possibility of my information being misused. It has also impacted my confidence in the ability of companies to safeguard sensitive data, which has led me to be more cautious in my dealings with credit reporting agencies and other financial institutions.

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 2024-11-16 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: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX, XXXX, OH XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : XX/XX/year>. I request that my date of birth be updated. 

XXXX. Employers : My only employer is 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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am having Wells Fargo XXXX XXXX XXXX ( XXXX XXXX ) ending in XXXX. 
I had setup automated payment on this account. 
I have no idea how that automated payment was switched off.

I realized on my own ( there is no email or notification from wells Fargo regarding the same ) and then I setup again on XXXX XX/XX/year> and immediately made a payment of {$1000.00} Called Wells Fargo at XXXX XX/XX/year> at XXXX at around XXXX XXXX CST. It's so difficult to reach a human out there- annoying IVR based bot. Finally was talking to a lady who had an attitude as if she is doing a favor by working on the weekend.

I asked why my automated payment got off? it was setup. She said it was never setup. I said please check in the system and provided the previous dates when it worked. For this she said that " I am rude '' I simply told her i know it's weekend but i am also making a call on the weekend. Can you please check at least the latest automated payment is setup correctly? For this her answer was - she can't it will take 3-5 business days. I said let me talk to the supervisor. Her response nobody want to work on weekend so there is no supervisor and simply hang up the phone on me.

I was asking her to create an internal case so that i can call later and follow up regarding this issue.

This wells fargo is nothing but nuisance.

It's so messed up website - setting up automated payment is nightmare.

Then reaching out to customer service is so difficult.

Then those customer service folks are having such an attitude that they hang up the phone.

Wells fargo charges late fees of {$29.00} on this account even when this card has 0 % APR for 12 months and I had already made the minimum payment and there was no stoppage from my side regarding automated payment.

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