vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: KY

Complaint narrative:
I just reviewed my XXXX credit report and found that it is inaccurately reporting the following accounts as being late : XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX. These late payments are damaging my credit, and I demand that these late payments be removed from my credit report immediately. This violates my consumer rights according to the FCRA. The FCRA law 15 U.S. Code 1681a ( 2 ) ( i ) - Exclusions : States that Transactions ( late payments ) are not to be reported on credit reports. Another violation is 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, these accounts are not reporting with 100 % accuracy and must be deleted immediately. Please Delete these late payments and update my Payment History to PAANL status immediately. Also, mail me a corrected copy of my credit report as soon as possible. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer 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 2024-11-30 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: KY

Complaint narrative:
I just checked my credit report, and I don't understand why this collection is showing on my Transunion credit report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. I also have the right to privacy, and you are violating it by putting this inaccurate account on my credit report. Delete this inaccurate collection account and mail me a corrected copy of my credit report. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer 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
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I went to Regions to make a payment on my past due loan. The teller stated that Regions Mortgage had rejected the payment. She sent my payment and a note back to me to call Regions customer service. I called the number on the form for Regions Mortgage customer service. The customer service representative stated that he could not take my payment. I asked him what is the total amount to pay. He stated that it was {$3000.00}. I told him that I would write a check for that amount. The customer service representative told me that he wasn't sure if that is the total amount. 
He advised that they would mail me the total amount and in the meantime, did I want to apply for a hardship. I applied for the hardship over the phone. 
I received the total reinstatement amount from an Attorney in XXXX on behalf of Regions. I would have paid that amount but I disputed a certain portion and The Attorney accelerated foreclosure with a sale date without a modification application being approved and/ or allowing due diligence to answer my dispute about the amount.

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 2024-11-30 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have tried disputing the errors on my credit report and nothing has been corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Velocity Portfolio Group
State: FL

Complaint narrative:
I have tried disputing the errors on my credit report and nothing has been corrected

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 2024-11-30 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: KY

Complaint narrative:
I just checked my credit report, and I don't understand why this collection is showing on my XXXX and Experian credit reports because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. I also have the right to privacy, and these Credit Reporting Agencies and this company are violating it by putting this inaccurate account on my credit reports. Delete this inaccurate collection account and mail me a corrected copy of my credit reports. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer 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 2024-11-30 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file immediately : Fraudulent Accounts 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

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 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 explanation
Consumer complaint received 2024-11-30 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: KY

Complaint narrative:
I just checked my credit report, and I don't understand why this collection is showing on my Transunion and XXXX credit reports because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. I also have the right to privacy, and these Credit Reporting Agencies and this company are violating it by putting this inaccurate account on my credit reports. Delete this inaccurate collection account and mail me a corrected copy of my credit reports. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer 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
Consumer complaint received 2024-11-30 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: TrueAccord Corp.
State: NY

Complaint narrative:
XXXX XXXX XXXX says I have a collection of {$790.00} that is false. I called XXXX and I was told it wasn't me and it would be fixed.Few days later the collection from XXXX XXXX XXXX was REMOVED. 
Then I recieved a call from XXXX XXXX XXXX threatening to put the collection on my XXXX ... A few days later the same collection that XXXX removed because it was not my collection founded by XXXX after completing their investigation. The Company XXXX XXXX XXXX calls me the next day making threats to put the collection back on my XXXX ... in a few day later it was back on my XXXX.remember it started at XXXX.I disputed it 10 times then it was removed..then XXXX XXXX XXXX ADDED IT TO MY XXXX.ITS BEEN A BACK AND FORTH WITH THIS COMPANY FOR YEARS NOW. NOW THEY SENT ANOTHER COMPANY BY THE NAME TRUE ACCORD CORP.. THEY'RE HARASSING ME WITH EMAILS AND CALLS. 
THIS has got to be illegal..I want to sue for all these yrs my credit score being affected due to this company and their fraud ways

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 2024-11-30 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: NY

Complaint narrative:
XXXX XXXX XXXX says I have a collection of {$790.00} that is false. I called Equifax and I was told it wasn't me and it would be fixed.Few days later the collection from XXXX XXXX XXXX was REMOVED. 
Then I recieved a call from XXXX XXXX XXXX threatening to put the collection on my XXXX ... A few days later the same collection that equifax removed because it was not my collection founded by equifax after completing their investigation. The Company XXXX XXXX XXXX calls me the next day making threats to put the collection back on my XXXX ... in a few day later it was back on my XXXXremember it started at XXXXI disputed it 10 times then it was removed..then XXXX XXXX XXXX ADDED IT TO MY EQUIFAX..ITS BEEN A BACK AND FORTH WITH THIS COMPANY FOR YEARS NOW. NOW THEY SENT ANOTHER COMPANY BY THE NAME XXXX XXXX XXXX THEY'RE HARASSING ME WITH EMAILS AND CALLS. 
THIS has got to be illegal..I want to sue for all these yrs my credit score being affected due to this company and their fraud ways

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX says I have a collection of {$790.00} that is false. I called XXXX and I was told it wasn't me and it would be fixed.Few days later the collection from LVNV FUNDING LLC was REMOVED. 
Then I recieved a call from LVNV FUNDING LLC threatening to put the collection on my XXXX ... A few days later the same collection that XXXX removed because it was not my collection founded by XXXX after completing their investigation. The Company LVNV FUNDING LLC calls me the next day making threats to put the collection back on my XXXX ... in a few day later it was back on my XXXXremember it started at XXXXI disputed it 10 times then it was removed..then LVNV FUNDING LLC ADDED IT TO MY XXXX.ITS BEEN A BACK AND FORTH WITH THIS COMPANY FOR YEARS NOW. NOW THEY SENT ANOTHER COMPANY BY THE NAME XXXX XXXX XXXX THEY'RE HARASSING ME WITH EMAILS AND CALLS. 
THIS has got to be illegal..I want to sue for all these yrs my credit score being affected due to this company and their fraud ways

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to request specific information regarding the referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details.

I kindly request that you provide me with the following information : The date of the first delinquency on this account.

The date of the last payment made on this account.

The date of the charge-off on this account.

Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response.

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
Complaint Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I formally request that XXXX block the accounts, collections, and hard inquiries identified below from my credit file within 4 business days as required by law. Written confirmation of this request should be sent to me. 

Background : I am a victim of identity theft and the Equifax data breach. My credit report contains unauthorized accounts that negatively impact my ability to obtain credit. 
Violations : The accounts and inquiries violate the following : -15 U.S.C. 1692e : False/Misleading Representations -15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy -15 U.S.C. 1681i : Failure to Investigate Disputes -15 U.S.C. 1681c ( a ) : Reporting Obsolete Information Accounts for Removal : XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your swift attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE -- ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to request specific information regarding the referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details.

I kindly request that you provide me with the following information : The date of the first delinquency on this account.

The date of the last payment made on this account.

The date of the charge-off on this account.

Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: OK

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized credit accounts that have appeared on my credit report. Upon reviewing my credit report, I noticed that several credit cards such as XXXX XXXX opened XX/XX/year>, XXXX XXXX opened in XX/XX/year>, XXXX XXXX open XX/XX/year> which was opened in my name without my approval or consent. These accounts are not ones that I authorized, and I believe that I have been a victim of identity theft. 

I suspect that my personal information was compromised in a recent data breach, leading to the opening of these fraudulent accounts. As a result, these accounts are adversely affecting my credit file, and I am requesting that they be removed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which allows victims of identity theft to have fraudulent information removed from their credit reports.

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 2024-11-30 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: OK

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized credit accounts that have appeared on my credit report. Upon reviewing my credit report, I noticed that several credit cards such as XXXX XXXX opened XX/XX/year>, XXXX XXXX opened in XX/XX/year>, XXXX XXXX open XX/XX/year> which was opened in my name without my approval or consent. These accounts are not ones that I authorized, and I believe that I have been a victim of identity theft. 

I suspect that my personal information was compromised in a recent data breach, leading to the opening of these fraudulent accounts. As a result, these accounts are adversely affecting my credit file, and I am requesting that they be removed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which allows victims of identity theft to have fraudulent information removed from their credit reports.

Company response to consumer: Closed with explanation