vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
2-3 years ago I lost my job and started using my credit to get loans to last a few weeks Im doing better now and I want to fix all loans I have

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
FTC Complaint : XXXX Verification User I need a letter to the FTC against XXXX for failing to provide the method of verification I have sent numerous letters requesting this in a time frame of 30 days has expired therefore I'm demanding that they removed all information pertaining to XXXX XXXX on my credit report until they can show the method of verification. I want to express that I will be willing to initiate legal proceedings for violating 15 USC 1681 section 2ai. XXXX is reporting in accurate information as it been charged off yet reporting as open and late payments in violation of the statutes 2 / 2 XXXX  [ Your Name Re : Acct # XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. I have made several attempts to request the method of verification from XXXX regarding the information they are reporting regarding my XXXX XXXX account. However, despite my numerous letters, XXXX has failed to provide this essential information within the legally required timeframe of 30 days, as outlined in 15 USC 1681 section 2ai. 

I am deeply concerned about the inaccurate reporting of my XXXX XXXX account by XXXX. The account has been charged off, yet XXXX continues to report it as open and shows late payments, which is a clear violation of the FCRA. Such inaccurate information can have a significant impact on my creditworthiness and financial well-being. 

In light of XXXX 's failure to provide the method of verification within the mandated time limit, I am demanding that they immediately remove all information pertaining to XXXX XXXX from my credit report until such time that they can demonstrate the method of verification. This action is in accordance with my rights under the FCRA and the necessity for accurate and fair reporting of credit information. 

Furthermore, I would like to express my willingness to pursue legal proceedings against XXXX should they continue to violate the FCRA by reporting inaccurate information. It is crucial that the credit reporting agencies uphold their legal obligations and maintain the integrity of consumer credit reports. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA and inaccurate reporting. I trust that the FTC will work diligently to protect consumer rights and ensure that the credit reporting system operates fairly and transparently. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Hi, I am writing because a fraudulent account was opened in my name in XXXX  and sold to a debt collection agency on XX/XX/XXXX XXXX the person who did this seems to have bought something, paid some of it off, and then let the remainder go to collections in the amount of XXXX dollars. There were many accounts and lines of credit where they used the same tactic. I have worked diligently to report to the police, the FTC, and to the credit unions over the past 6 years. 
This fraudulent account is affecting my ability to get a loan to buy a car. I am requesting again that this fraudulent debt be removed from my name. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX : {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 2023-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
United revenue corporation, has failed to provide all proper documents to validate and verify the alleged debts. Which is a clear violation of my rights according to 15 U.S.C 1692g validation of debts. I am disputing three accounts. Account number XXXX, XXXX. In my dispute I requested the following 1. The name and address of the original creditor 2. The original date of default or nonpayment of the debt with the original creditor 3. The date the debt was transferred from the original creditor to the third-party debt collector 4. The original balance 5. The current balance 6. Any fees added by your agency ( Sec.392.303 ( a ) ( 2 ) 7. Surety bond information as required by TEXAS FINANCE CODE Sec.392.101 8. *A copy of the signed contract binding both parties* 9. Verification of signed invoice 10. Payment History 11. Validation of debt that is actual accounting 12. Pay off Disclosure 13. Interest Rate Disclosure 14. Balance History and all other documentation used to validate and verify this account. 
Also United revenue failed to provide " safe harbor ''. In any of these communication letters does, nor do they explain the process and steps I can take to dispute the debt or any information in regards to my rights as a consumer to dispute the alleged debt with the CFPB or FTC. I feel like my identity has been stolen by united revenue corporation and they are trying to scam me into paying alleged debts that are not mine. There actions have caused me and my family severe mental anguish, defamation of character. It has also severely harmed and ruined my chances of obtaining credit for personal, home, and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There was fraud on my Care Credit account I did not make several purchases. I called them and they have a dispute in progress I have made a payment so it will not go into collections the amount is currently wrong. It should be less than {$800.00} which is the credit limit. I lost my wallet and card and someone was using all my cards and making purchases and paying other cards off to continue to use them.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX : {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : -, XXXX XXXX XXXX : {$3600.00}, XXXX XXXX XXXX : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : -, XXXX XXXX XXXX : {$3600.00}, XXXX XXXX XXXX : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$2300.00}, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dear XXXX 
Account # - XXXX XXXX XXXX XXXX, consumer and natural person, am aware of all my rights. Rights protected by congress under the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting act XXXX XXXX Account # - 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSES.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear XXXX 
Account # - XXXX XXXX XXXX XXXX, consumer and natural person, am aware of all my rights. Rights protected by congress under the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting act XXXX XXXX Account # - 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSES.

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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have numerous times, stating the day I opened the account, that I did not want to be able to overdraft, yet it happens all the time and then Im charged overdraft fees like crazy. I have repeatedly with customer service asked this to be rectified and they make excuses and say they will fix it.

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 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: MI

Complaint narrative:
I received an offer in the mail from Rate Genius stating I could possible lower my car payment with a new loan and save {$180.00}. 

The letter directed me to a website. On the evening of XX/XX/23 I visited the website and selected just checking my options, completed the required information and before submitting the application I read the details of the offer. The website clearly stated my credit report would not be pulled until I selected an offer from one of their lenders. 

By the next morning, I was receiving alerts that my credit report was being pulled. I tried logging into the Rate Genius account that had been created and the link was broken. I called and spoke to an agent who said the application she was viewing indicated I agreed to have my credit pulled, I had been approved for a loan and loan representative would contact me. 
I waited 3 hours and called again. The next agent said they would send another message to the rep and assured me my credit had only been pulled once and submitted to 150 lenders, I said again, I did not agree to that. 
15 minutes later the rep called. I was approved for a loan at the same rate I already had with my current lender. Wouldnt make sense to accept the offer. 
I asked again, why was my credit pulled. The explanation was not sufficient but my application had been submitted to 40 lenders but one approved me. Something about they have multiples companies and a disclosure statement. I still cant access the account that was linked in the email communications I received. My credit score dropped 2 points immediately. My co-applicant had a 5 point drop. 

The offer I received was misleading and the explanation as to why they pulled my credit was inadequate. 

I revisited the site tonight and the application page has been updated to include terms that include I grant permission to have a credit check done. 

I have to give them credit for fixing their website but that doesnt help me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
I have a debt on my credit report that I do not recognize that it's not mine! I disputed it with the three major credit bureaus and asked for proof from the debt collector of verification and what I received was anything but verification just a piece of paper with ink on it! No signatures no dates no credit card numbers debit numbers cash payments anything! Just my name and a amount owed to XXXX. The debt collector 's name was not even on the statement so I don't know why they are even collecting on something I know nothing about! I am attaching the letter that they sent me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief