vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-03 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: FL

Complaint narrative:
Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 
LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with XXXX XXXX on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue.

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the XXXX XXXX account.

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Specify the precise date when the XXXX XXXX account was initially established. 

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the XXXX XXXX account was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so. 

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation

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 2024-04-03 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: IL

Complaint narrative:
Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with XXXX XXXX on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue. 

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the XXXX XXXX account. 

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Specify the precise date when the XXXX XXXX account was initially established. 

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the XXXX XXXX account was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so. 

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation

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 2024-04-03 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:
The Fair Credit Reporting Act ( FCRA ) includes provisions for companies to help individuals remove fraudulent information resulting from identity theft from their credit reports. If you're a victim of identity theft, you can file a dispute with the credit reporting agencies to have the fraudulent information removed from your credit report. Additionally, the FCRA requires companies to investigate and correct any inaccuracies in your credit report, including those resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: NM

Complaint narrative:
I have requested access to my crypto.com account since XX/XX/2024, due to new verification phone number. All the verification methods they offer don't work. They continue to send apology emails and ask for verification data. This verification information has been provided multiple times, including copy of my driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-04-03 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: AL

Complaint narrative:
I have been sending dispute a verification and also validation letters for the past 3 years for my XXXX XXXX account and the entire time I keep receiving a bill nothing else. All three bureaus have been reporting late payments on my credit cards that I disputed that also came back as verified. They are in violation of the FCRA and metro2 compliance and reporting guidelines. The reporting of excluded information pursuant 15 USC ( A ) ( D ) ( 2 ) ( A ) ( I ) to a consumer report is a clear violation of Metro2 compliance. 

A clear violation of 15 USC 1681 and that states The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to in such a short amount of time. 

Clearly they didnt investigate and this has been detrimental to my credit. 

The most recent tracking numbers are XXXX Experian- 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent have disputes back in XX/XX/2024 and had signed up to to be able to lock my account but I was unfortunately never able to due to the system being down or service not available. 
My address is also incorrect and want it to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX My rights and privacy have been violated I have requested the deletion of the following inquiries due it not having my permission nor does it have any permissable purpose on credit report. 


XXXX. XXXX  XXXX XXXX XX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX - XXXX XX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 


XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 


XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no pemissibel purpose to e on my report,. Delete this inquiry due to violation of 15 USC 1681b. 

I want these inquiry deleted. 
.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax had a data breach and as a result my identity was compromised and I have lost time money and assets. I am supposed to be a class action member but I never got payment nor did I get the promised restoration services. When I contact the administrator they tell me that I've gotten paid, I explain to them that I am not paid and perhpas my payment was stolen just like my identity. It was impossible for me to get paid and they will not verify the amount, who or how a person got paid because it was not me and they keep saying the same thing you got paid and this has gone on for months. 

I have never been paid, and my identity remains stolen such as this, someone has cashed this payment and it has not been me. 

I'd like to know the amount of the payment, the date, the check number and where who and how it was cashed to report it stolen and ask for a replacement as I am not compensated per the court settelment order. 


Equifax won't help and the administrator isn't helping, " m starting to see that class action checks are being stolen. 

I'd like to be paid and the credit monitoring and services given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
On XX/XX/XXXX I was notified that there was a collection by CONVERGENT OUTSOURCING on my XXXX credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXX filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to XXXX for investigation and verification. After investigation the credit reports for XXXX was updated and the collection was removed. I have since locked all three credit files ; XXXX, XXXX and Transunion. I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX XXXX. I immediately called XXXX and the collection was removed the same day. On XX/XX/XXXX the same collection reappeared on my XXXX report. Once again XXXX investigated and once again this fraudulent charge was removed. 

On XX/XX/XXXX, this fraudulent charge ONCE AGAIN REAPPEARED! I contacted XXXX and they indicated that the previous investigations were no longer in their data base. Pretty incredible since this was a case of identity theft, and a statement was added to my credit file indicating that I was the victim of identity theft! 

The new fraudulent charge was submitted by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX MN XXXX. This company has also re-aged this fraudulent charge to make it appear as if this is a current account! This is a violation of the Fair Debts Collection Practices Act ( FDCPA ).

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 2024-04-03 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: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was notified that there was a collection by XXXX XXXX on my XXXX credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXX filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to XXXX for investigation and verification. After investigation the credit reports for XXXX was updated and the collection was removed. I have since locked all three credit files ; XXXX, XXXX and XXXX. I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX XXXX. I immediately called XXXX and the collection was removed the same day. On XX/XX/XXXX the same collection reappeared on my XXXX report. Once again XXXX investigated and once again this fraudulent charge was removed. 

On XX/XX/XXXX, this fraudulent charge ONCE AGAIN REAPPEARED! I contacted XXXX and they indicated that the previous investigations were no longer in their data base. Pretty incredible since this was a case of identity theft, and a statement was added to my credit file indicating that I was the victim of identity theft! 

The new fraudulent charge was submitted by JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX, XXXX MN XXXX. This company has also re-aged this fraudulent charge to make it appear as if this is a current account! This is a violation of the Fair Debts Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NY

Complaint narrative:
Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of XXXX items on my report as " XXXX XXXX' or " XXXX  '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from 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 non-monetary relief