vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NV

Complaint narrative:
Every single item reporting on my EXPERIAN CREDIT REPORT is inaccurate. Per FCRA consumer laws, my reports must be accurate or the item removed.

I have attached my credit report as of today 's date. Each item either is reporting inaccurately concerning charge-off status, payment history, balance showing as a charge off, or has NOT been validated per my request in the case where the debt was sold to a 3rd party non affiliate collection agency. 

PLEASE REMOVE THESE ITEMS FROM MY REPORT.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING EVERY OTHER ITEM ON THE 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 2024-09-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have 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 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. 15 USC 1681 602 ( A ) states I have a right to privacy. 15 USC 1681 604 ( A ) 2 states a consumer reporting agency can not furnish an account without my written instructions. 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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 the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking 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  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX open XX/XX/XXXX, XXXX XXXX XXXX open XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: MI

Complaint narrative:
XXXX and TransUnion have placed a promotional block on my account without my consent, then declined to unfreeze my account when I did not request a freeze be placed on my credit report. Ive been contacting both of them for days now and have spent countless hours on the phone with their customer service representatives with no solution to this problem. They both say I do not have a freeze on my account but the bank is receiving a freeze message when they request my credit reports. The bank is trying to process my home loan application but can not continue until these bureaus pull the freezes off my account. I will lose out on the offer I have placed on a house if these freezes are not lifted in order for my loan application to be processed. This isnt the first time this situation has occurred and the last time, it was a computer glitch that caused the issue with XXXX. I need the freeze on my credit report lifted through XXXX and TransUnion as I have requested 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 2024-09-16 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
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. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: AZ

Complaint narrative:
insurance claim pd part of the loan and XXXX XXXX XXXX charged off and wrote off {$16000.00} did not send me 1099C for the cancellation of the 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 2024-09-16 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: AZ

Complaint narrative:
insurance claim pd part of the loan and XXXX XXXX XXXX charged off and wrote off {$16000.00} did not send me 1099C for the cancellation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: AZ

Complaint narrative:
insurance claim pd part of the loan and XXXX XXXX XXXX charged off and wrote off {$16000.00} did not send me 1099C for the cancellation of the 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 2024-09-16 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove the following account ( 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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: KY

Complaint narrative:
1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

*disputing the alleged debt*

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
Ask for validation letter of this information did not provide accurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been attempting to lift a credit freeze with TransUnion for 3 days. I would like to apply for for a new credit card and I am unable to as a result of a credit freeze. I have attempting to lift the freeze for 3 days starting on XX/XX/year>. I have tried over the phone and that goes nowhere and I have tried online and that is also unavailable.

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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Opened card in XXXX  of this year with CITI. XXXX XXXX branded card. Have paid all bills in advance each month open. XXXX Valid checking accounts, both fully linked via XXXX service provider. Citi indicates these are not verified ( even though they have received and processed payments from both ). 

I tried calling Citi when out of country, they refused to do anything and fraud department was XXXX minute wait at {$0.00} cents a minute, no thank you. 

Citi has begun randomly declining purchases and even though I have made the signup bonus threshold amount many times over, are likely going to try to weasel out of the bonus miles/points. 

Citi refuses to close the account without me reading some number off a US Mailed letter and will not let me use the card until then, I am not home yet. They refuse to verify via text, via secure messages, via chat, only voice, and refuse to close the account. 

Citi is so far, the hardest and worst bank I have dealt with, having worked with XXXX, Amex, XXXX, and numerous others, who far surpass Citi 's ability to service their customers.

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 2024-09-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I went into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss my XXXX mortgage payment. I hoped that arrangements could be made regarding the XXXX payment only. I was trying to avoid 30-day late penalties for consecutive months. As the date I receive my retirement pension falls after the XXXX of most months. I knew if this was a possibility I would certainly be able to make my regular payments on time beginning XXXX. 
I sat down with XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and shared this concern with her. She then called the Mortgage Servicing Dept via speaker phone. We shared with XXXX ( Mtg Servicing Rep ) the concern. XXXX stated that the XXXX payment would be spread out over six months. I agreed to pay {$140.00} plus regular payment amount of $ 889 monthly for 6 months. Which I did. There was no mention of having to pay the late fees. 
The very thing I tried to avoid has happened. Included with my XX/XX/XXXX statement, due XX/XX/XXXX was a late fee charge of {$27.00}. As you can see on the attached statements no late fees were noted prior to this statement. I called and spoke with XXXX on XX/XX/XXXX in regards to the fee to no avail. I called again on XXXX, spoke with XXXX in Collections, XXXX in Mortgage Servicing to no avail. I was told there wasn't anyone else I could speak with. The bank is aware of the agreement and there are notes in their file. Im not sure why the bank didnt abide by the agreement. Perhaps it was due to a lack of training. While I didnt receive a written agreement, I thought it would be ok as the bank official XXXX XXXX XXXX the agreement as I did and she is just as concerned as I am regarding this issue. XXXX has made as many calls as I have concerning this. As a result of this reporting now showing three month late on my credit report and one of my credit card accounts has been closed. I would have sought other options had I known it was going to be like this. My plan was to avoid having negative reporting on my credit report. I have disputed the fee with Experian

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 2024-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had extensive XXXX XXXX done in XX/XX/year> with XXXX XXXX XXXX. I used Care Credit to charge {$6000.00} of the work. XXXX XXXX to charge the other {$5200.00} Within the first few days of getting the XXXX  done I noticed they were turning a shade of grey. They knew from day one I was not happy with the shades of my XXXX  but did not want to do the extra work. When I called them and then emailed, they originally thought it was something to do with the material the XXXX  were made from. They went back and forth with me taking weeks between each email. Asking for different angels of pictures just stringing me along. Then they just all together quit responding. They knew when they first put the XXXX  in my XXXX  how they looked. They knew because they asked me to move into another room to look at them in different lighting. You shouldn't have to change lighting for your XXXX  to look a different XXXX. That is just ridiculous. It took months to even get to talk to anyone at Care Credit. MONTHS. I finally received a call after filing several appeals and this woman had my case confused with another case. She told me they already paid XXXX XXXX and there was nothing they could do. Care Credit is a company not XXXX. She told me I should submit a claim to Consumer financial protection and report the XXXX. She could clearly see what XXXX XXXX did but technically works for Care Credit. I have since saw a new XXXX  that x-rayed my XXXX  and couldn't believe what XXXX XXXX did and how bad the margins are off. I actually have saw XXXX highly skilled XXXX  in XXXX XXXX. Both confirming the margins are off. Unreal. That means I have to get these XXXX  replaced as they are rotting from the inside out because they are not seated correctly. I spent {$6000.00} with care credit and {$5200.00} with XXXX  XXXX all at XXXX XXXX XXXX  XXXX  to get XXXX XXXX  XXXX  done. {$11000.00} and my XXXX  have to be replaced- CARE Credit is a joke

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 monetary relief
Consumer complaint received 2024-09-16 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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