vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-01 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I never signed up for this card it was just sent to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate 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 explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Date : XX/XX/year> Debt Collector 's : XXXX Debt Collector 's Company : TRANSWORLD SYSTEMS INC Company Address : XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Depth Amount : {$440.00} ( XXXX ) XXXX Dear TRANSWORLD SYSTEM INC, I am writing to formally dispute a debt that has been attributed to me, as referenced under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). I believe that the debt in question is not valid due to the following reasons:1. **Inaccurate Information. 2. **Lack of Documentation : ** I have not received adequate validation of the debt as required under the FDCPA. As such, I am requesting that you provide proof of the debt and its legitimacy.3. **Unlawful Communication : ** I have not authorized any communication regarding this debt and I request that you cease all communication with me moving forward. Under 15 U.S.C. 1692c ( c ), I have the right to request verification of the debt, and I expect a prompt response regarding my request. Failure to provide the necessary documentation supporting the validity of this debt will result in my further action, including but not limited to notifying the relevant authorities and disputing this debt with credit reporting agencies.I ask that you take immediate action to investigate this matter and remove any entries related to this disputed debt from my credit report.Thank you for your attention to this matter. I expect a response within 30 days. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
Back in XX/XX/2024 I filed a police report for identity theft. I reside in XXXX, Alabama and I have been in Alabama for XXXX  years. My credit file got leaked in several data breach. Someone in XXXX XXXX NV was using my identity. I did research on my own and called the creditorers and was given a XXXX XXXX NV address as XXXX XXXX XXXX XXXX XXXX and well as several other XXXX XXXX addresses. These accounts were all open fraudulent and all the credit cards were sent to this XXXX XXXX Nevada address XXXX XXXX XXXX XXXX XXXX NV please verify with the clients as I have already. The statements and cards all went to this address. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Property Receivable ) JPMCB I've submitted my ID a piece of mail, a bill in my name. And TransUnion you and XXXX have all these documents that were submitted to your company via CFPB portal but yet you are still sending me mail asking me to verify and send you these documents and I have submitted several times. If this matter isn't cleared up by XX/XX/2024 I'm contacting a Attorney I expect these items to be blocked from my credit file 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 explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: NV

Complaint narrative:
I am writing to file a complaint regarding a series of serious issues I have encountered in my interactions with XXXX XXXX, XXXX XXXX XXXX XXXX, and associated repair centers, which have resulted in significant financial and personal losses. 

Issues Encountered : Refusal of Repairs at Licensed Centers : After an accident on XX/XX/2024, I reached out to two licensed XXXX repair centers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX. In both cases, the damage assessment took an excessive amount of time ( over a week and two weeks, respectively ), and I was then unlawfully refused repairs. Additionally, the second center damaged the vehicle by breaking the driver 's window. 

Delays and Poor-Quality Repairs at XXXX XXXX XXXX XXXX XXXX After being refused service, I turned to XXXX XXXX XXXX XXXX XXXX XXXX the damage assessment and parts delivery were also delayed. When the repairs were finally completed, they were defective. The staff at the XXXX XXXX location in XXXX XXXX also did not have name badges, making it difficult to identify those I was interacting with. 

Significant Delays in XXXX XXXX and Repairs : I expected the entire repair process to take a maximum of XXXX  days, but as of XX/XX/2024, my car is still not ready it has been XXXX  days. XXXX XXXX XXXX XXXX also failed to provide the necessary documents for DMV vehicle registration, resulting in numerous fines for late registration. 

Poor-Quality Repairs and XXXX of a XXXX XXXX : Upon inspecting the repaired vehicle, I found external defects ( photos available ) and was denied a test drive to check for internal issues, which violates my rights. I demand an immediate test drive to identify any possible internal damage. 

Delayed Submission of Documents to XXXX XXXX  : XXXX XXXX XXXX XXXX delayed sending the repair documents to XXXX XXXX  by several weeks, which delayed the processing of my bank check for the repair payment, impacting my financial situation and credit payments. 

XXXX XXXX : Due to these issues, I have lost significant income, losing {$200.00} on weekdays and {$300.00} on weekends. Over XXXX days, my direct and indirect losses amount to between {$11000.00} and {$20000.00}, with these amounts continuing to grow as I remain out of work. Additionally, XXXX fines have reached {$2000.00} as of XX/XX/2024. 

Communication : XXXX XXXX XXXX XXXX has ignored my emails for 10 days. 

Legal Violations : XXXX XXXX XXXX : Violated by providing substandard services and refusing a test drive after repairs. 
XXXX XXXX XXXX : XXXX 's monopolistic control over parts supplies infringes on consumer rights. 
Failure to Provide a Translator : A violation of U.S. law, as I am unable to effectively communicate in English.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXt. v GrXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXXXXXX Bal. {$0.00}, XXXX  XXXX bal. {$2300.00}

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 non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I received a credit notification that Eastern Account System had an order of collection for {$XXXX}. I never received an email or phone call. I called Eastern Account for more information and they hung up on me. I then went through XXXX, and figured at the collection was for a XXXX, though I had already paid a bill and returned all the necessary equipment to XXXX. I disputed the collection twice and was met with little to know information of why I was still being charged an additional {$XXXX}. XXXX also has not explained the additional debt. I need help getting specific information on what I am being charged for and why it hasn't be removed if all equipment and services have been completed and returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting inaccuracies on my credit report regarding XXXX  XXXX XXXX  These inaccuracies are not on my train union nor my experience also, they are clearly violating my laws the the FCRA EQUIFAX is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. L as the consumer, have informed EQUIFAX that all the inquiries reported were fraudulent. According to the law, once a Federal Trade Commission ( FTC ) fraud report is filed, EQUIFAX is required to remove the disputed items from the report within four days, pending investigation. 

15 U.S. Code 1681b - Permissible purposes of consumer reporis o Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruclions of the consumer to whom it relates. 
They need your written consent lo add anything to your consumer report if you did not give i violation of the Fair Credit Reporting Act this authorization, AND SPECIFICALLY TOLD THEM THAT THEY DONT HAVE IT, that is a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my 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 explanation
Consumer complaint received 2024-09-01 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: OH

Complaint narrative:
transunion These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXXXXXX XXXX XXXX date opened XX/XX/XXXX {$XXXX} XXXX XXXX XXXX date opened XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XX/XX/XXXX {$XXXX} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$XXXX} Comenitycapital/famo Date Opened XX/XX/XXXX {$XXXX} OneMain Date Opened XX/XX/XXXX {$XXXX} Prestige Financial XXXX {$XXXX} Date Opened XX/XX/XXXX Inquiries XXXX XXXX Services XX/XX/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 2024-09-01 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: OH

Complaint narrative:
These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXXXXXX 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

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 2024-09-01 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my 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