vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
My credit report was pulled by xactus, XXXXXXXX XXXX without permission. Hard inquiry for mortgage on XX/XX/year>. I never applied for a mortgage with this company and never gave them consent to pull my personal credit. Their hard pull adversely affected my XXXX score. A brief review of the internet, revealed that this it is this companys modus operandi. They claim that my husband gave them consent to pull my credit. They should known, that a husband can not give consent to pull his wifes credit report. Under the Fair Credit Reporting Act ( FCRA ), accessing someones credit report requires a permissible purpose, and being married to someone does not qualify as such. Each individual must provide their own consent for their credit report to be accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XXXX XXXXXXXX I opened a checking account with Truist Bank using their {$400.00} bonus promotion. I sent an opening deposit of {$50.00} to the account. On XXXX XXXX my online access to the account was removed as I was instructed to call their fraud department. On XXXX XXXX, I called their fraud department and was informed that my account was closed. When the reason for the closure was requested, I was told that they did not know and would have to wait for a letter in the mail. When asked when I could expect the opening deposit to be returned, I was told that there was no deposit made to the account.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
on XX/XX/year>, I mailed this letter after reviewing my credit report ( XXXX XXXX  ) I noticed some inaccuracies so I sent the dispute. On XX/XX/year> LVNV Funding acknowledged receipt of my letter stating I need to send a second dispute to Resurgent Capital  ( XXXX XXXX ) This violated my rights under FDCPA. I also requested LVNV Funding to cease reporting to collection agency until this matter is resolved, currently they are still reporting. I have never done business with either of these companies and am just asking for the verification requested. ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: WV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - Account : XXXX, OpenedXXXX, Amount : {$13000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account is a result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: State Home Mortgage
State: GA

Complaint narrative:
I called and informed state home mortgage that my current home with under contract with a buyer and asked if I need to make my regular monthly payment for the month of XXXX. They told me no because if I did, they would have to send me the payment back since the house was under contract. So I did as they instructed. Well, I looked on my credit report on yesterday XXXXXXXX XXXX and learned that they report and late payment on my credit reorgywhich resulted in a dropped score. Devastated!!! I can not afford a dropped credit score because Im in the process of buying a new home. This drop score brings everything to a halt. I only did what state home mortgage advised me. Iam in a bad situation and just about homeless because of this mid information. I need help. Will you help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Former : XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX  XXXX  Employers : 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : XXXX XXXX XXXX XXXX XXXX Personal Information : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX  XXXX Employers : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My credit report is negatively affected because the agency XXXX XXXX XXXX failed to warn me that I was owning {$570.00}. I paid off my car loan on XX/XX/XXXX but it wasn't until XXXX of XXXX that the company informed me that I was behind on the said {$570.00} bill. When I settled my account on XX/XX/XXXX, I was assured that my bill with XXXX XXXX XXXX had been fully paid and that there was no balance. 
I paid off my loan with XXXXXXXX XXXX XXXX XXXXXXXX in XXXX but the credit union waited until XX/XX/XXXX to close the account and reported me to the credit bureau. In fact everything on my credit report is wrong and I want it removed.

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 2024-10-22 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: DC

Complaint narrative:
My credit report is negatively affected because the agency XXXX XXXX XXXX failed to warn me that I was owning {$570.00}. I paid off my car loan on XX/XX/XXXX but it wasn't until XXXX of XXXX  that the company informed me that I was behind on the said {$570.00} bill. When I settled my account on XX/XX/XXXX, I was assured that my bill with XXXX XXXX XXXX had been fully paid and that there was no balance. 
I paid off my loan with XXXX XXXX XXXX XXXXXXXX in XXXX  but the credit union waited until XX/XX/XXXX to close the account and reported me to the credit bureau. In fact everything on my credit report is wrong and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LUKE, JOHNSON & LEWIS LLC
State: SC

Complaint narrative:
To Whom it May Concern : Dear Collector, I am writing in response to your { letter or phone call } dated { insert date of letter or phone call }, copy enclosed.

On { insert date of initial dispute letter } I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I must remind you that in my previous letter I requested the following information : ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) Provide a verification or copy of any judgment ( if applicable ) ; ( XXXX ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The law clearly states : transaction between the consumer XXXX XXXX AND THE PERSON ( XXXX XXXX ) MAKING THE REPORT IS NOT INCLUDED ON THE CONSUMER REPORTS! A LATE PAYMENT IS A TRANSACTIONAL HISTORY, MY HISTORY WITH YOUR COMPANY. CONGRESS CLEARY STATES THAT THE REPORTING OF TRANSACTIONS AND THE EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE NOT INCLUDED IN THE CONSUMER REPORTS. YOU HAVE VIOLATED THE FCRA 15USC 1681IA 2AI BY REPORTING THIS TRANSACTION OR EXPERIENCE ON MY CONSUMER REPORT WHICH CONGRESS CLEARLY STATES IS NOT INCLUDED ON MY CONSUMER REPORTS. YOU HAVE 10 CALENDER DAYS TO UPDATE MY PAYMENT HISTORY AND OR DELETE ALL LATE PAYMENTS FROM THE ACCOUNT FAILURE TO RESPOND WITH DELETION OF THE ABOVE LATE PAYMENTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR COMPANY FOR WHICH I WILL BE SEEKING {$1000.00} PER VIOLATION : XXXX. DEFAMATION OF CHARACTER XXXX. NEGLIGENT NON-COMPLIANCE XXXX. CIVIL LIABILITY XXXX. XXXX  ANGUISH XXXX. FAIR CREDIT REPORTING ACT 15USC 1681 VIOLATIONS WILLFUL NON-COMPLIANCE -616 CIVIL LIABILITY FOR WILLFUL NON -NON-COMPLIANCE ( 15 U.SC 1681 XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-10-22 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:
In accordance with the Fair Credit Reporting act. 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX credit cards were processed during the last year without my knowledge : CBNA/THD - The Home Depot XXXX  Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> BEST BUY - XXXX of 2023 I tried to apply for a credit card in XXXX of XXXX for Best Buy and was declined on the premise of there already being an application being processed.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : VELOCITY INVESTMENTS LLC Your NAME : XXXX XXXX XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this 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 explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing this letter concerning National Credit Adjusters , L.L.C. Account number XXXX, address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
This matter is up for litigation due to a data breach. I wrote the company XXXX National Credit Adjusters L.L.C ) for debt verification of this debt being owned by XXXX XXXX XXXX. 
I am requesting that this collection be removed off of my account immediately.

Company response to consumer: Closed with explanation