vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My consumer rights under FDCPA are in violation in accordance with 15 U.S.C. 1692g, '' debt collector send a validation notice informing of debt details and giving them a chance to dispute within 30 days. '' FDCPA 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 2 ) has been violated, as consent for email correspondence was not authorized by consumer and transfer of email notice was not provided to me in written or digital correspondence.

FDCPA violations include 1006.14 ( a ) Harassing digital communication and 1006.14 ( b ) " natural consequence of the debt collectors email messages is to harass, oppress or abuse the person receiving the email.When such natural consequence occurs the debt collector has violated 1006.14 ( b ) The above protected consumer rights have been infringed upon and violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint addresses Equifax 's contradictory responses and willful non-compliance with FCRA requirements, particularly egregious given their own data breach 's role in compromising my personal information. 
SEQUENCE OF EVENTS : 1. Equifax Data Breach o Received notification from Equifax that my data was " impacted '' o Breach exposed sensitive personal information o Created heightened risk of identity theft 2. Identity Theft Occurrence o Filed FTC Identity Theft Reports ( # XXXX, # XXXX, # XXXX, # XXXX ) o Received confirmation from XXXX XXXX  that XXXX account was fraudulent o Submitted all required documentation to Equifax XXXX. Equifax 's Contradictory Responses a ) First Response : o Merely sent CFPB pamphlet o Failed to address identity theft claims o No action taken on fraudulent accounts b ) Second Response : o Claimed inability to block information o Directly contradicted FCRA 605B requirements o Ignored submitted FTC reports c ) Third Response : o Claimed previous investigation in process o Refused new investigation o Provided no details of alleged investigation VIOLATIONS OF FEDERAL LAW : 1. FCRA 605B Violations o Failed to block information within 4 business days o Ignored valid identity theft reports o Claimed inability to block despite meeting all requirements 2. FCRA 611 Violations o Failed to conduct proper investigation o Provided contradictory responses about investigation status o Ignored third-party fraud confirmation XXXX. Data Security Violations o Failed to protect personal information ( breach ) o Failed to prevent subsequent fraud o Failed to take responsibility for breach-related fraud CONSUMER HARM : 1. Direct Financial Impact o Continued reporting of fraudulent accounts o Potential credit denials o Increased credit costs 2. Time and Effort o Multiple communications required o Filing of reports and complaints o Ongoing monitoring requirements 3. Emotional Distress o Anxiety over unresolved fraud o Frustration with contradictory responses o Concern over continued data vulnerability REQUESTED ACTION FROM CFPB : 1. Investigation o Review Equifax 's contradictory responses o Examine connection to data breach o Assess pattern of non-compliance 2. Enforcement o Require immediate blocking of disputed information o Mandate proper investigation procedures o Impose penalties for willful non-compliance 3. Systemic Review o Examine Equifax 's identity theft procedures o Review data breach impact on consumers o Assess pattern of evasive responses DOCUMENTATION ATTACHED : 1. Equifax Data Breach Notification 2. Three contradictory Equifax response letters 3. XXXX XXXX  fraud confirmation 4. FTC Identity Theft Reports 5. Previous correspondence 6. Credit report excerpts I authorize the CFPB to share this complaint with other government agencies if necessary for resolution or enforcement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Vance and Huffman llc I've requested information that I've done business with this company and have yet to received anything. I have never done business with Vance and Huffman llc and they should not be reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Agency I am writing to formally notify you that this account : XXXX has violated the provisions of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, under 15 U.S.C. 1681e ( b ), you are required to ensure the maximum possible accuracy of the information on my credit report, and you have failed to verify that this account is accurate. Additionally, under 15 U.S.C. 1681i ( 5 ), you failed to provide me with confirmation in response to the dispute letter I sent requesting validation of the account in question. 

Due to your inability to confirm the accuracy of the disputed account and your failure to respond to my validation request, I am formally requesting that you immediately remove this account from my credit report. It is currently affecting my credit file without any valid reason, and I expect this matter to be resolved as quickly as possible. 

Please consider this my formal request under the Fair Credit Reporting Act, and I expect written confirmation from you regarding the removal of the account. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame. 

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 2024-10-24 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: AZ

Complaint narrative:
To my shock, I found incorrect accounts listed on my credit report this morning, and Im baffled as to why. I routinely check my report, but this time there were unexplainable discrepancies. I tried refreshing the page, thinking it might be a technical issue, but nothing changed. I am pleading for the documents Ive submitted to be carefully reviewed so I dont have to live in constant anxiety about this happening again.

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 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXXI hav enever done business with LVNV Funding and they should not be listed as a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent in a dispute with Equifax regarding unauthorized inquiries. On XXXX XXXX Equifax replied with a response by verbal communication that they can't identify me even after I have mailed my identity information again on XXXX and XXXX and uploading my identify information online to their website. With a dispute they are still not identifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had an American Express XXXX gift card, someone used the card without my authorization, I called AMEX as soon as I found out and filed a claim. Its a fraudulent transaction, but they still didnt refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request to Block an

d Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part
of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITALXXXX XX/XX/year> THIS INFORMATION IS INACCURATE IVE NEVER DONE BUSINESES WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries 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 identity 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXX.I hav enever done business with XXXX XXXX  and they should not be listed as a debt

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 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX Experian and XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete information to my consumer report According to 15 U.S. Code 1681, all information that is reported to my consumer report has to be accurate and timely. The items that I have listed below do not belong to me and I am requesting them to be removed. 
XXXX. XXXX XXXXXXXX XXXX [ XXXX ] XXXX. XXXX XXXX [ XXXX ] XXXX. XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX ] I had nothing to do with these accounts I did not authorize any of them sometime ago, I end up losing my Social Security card and I believe I am a victim of identity theft 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 2024-10-24 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AK

Complaint narrative:
I applied for IDR repayment XX/XX/year> still in review XXXXMohela in still not putting my account in forbearance with no interest while application is still in review, also have borrower defenses case pending. NO UPDATE NO NOTHING XXXX IS GOING ON

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  I've requested information that I've done business with this company and have yet to received anything. I have never done business with XXXX XXXX XXXX XXXX and they should not be reported 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 2024-10-24 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these account 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 2024-10-24 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never gave an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 ( K ) CAINE & WEINER COMPANY INC XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

If you accept my request, i will not escalate this matter to XXXX XXXX. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 

sincerely, XXXX XXXXAll Rights Reserved Without Prejudice.

Company response to consumer: Closed with explanation