vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Contacted the credit agency LVNV Funding LLC via mail asking for the original Contract that was physically signed that I was in an agreement to pay the debt of {$840.00} to them. I received a letter back from the attorney representing LVNV Funding LLC ( XXXX XXXX ) Of credit card payments that are not mine. They never sent out the original contract with my handwritten signature agreeing to pay such debt to the creditor LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im trying to get all credit report inquiries off of my credit, because I have not applied to anything anything for years Please help me. Someones applying in my name for banks auto loans and event, 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 2024-04-16 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-16 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-17 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: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint against CREDIT WORLD SERVICES, INC for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties ( CHARGE OFF ) is now considered a CERTIFICATES OF IDEBTENESS, constituting INCOME that CAN NOT be reported as outlined in the Internal Revenue Code. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME CA NOT BE REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against CREDIT WORLD SERVICES , INC. Additionally, I urge you to ensure that my credit profiles are corrected expeditiously by completely removing this information in compliance with the FCRA and IRS regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX has violatet 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.

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I did not provide written consent to report the accounts listed below. Due to your violations, I will take legal action and submit a complaint for small claims for default judgement, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand VALIDATION and VERIFICATION of this alleged debt. If proof can not be provided, I demand these items to be removed from my account. 
Please see attached documents below for the reference item : XXXX [ XXXX ] XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy, Case Number : 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 2024-04-16 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: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I did not provide written consent to report the accounts listed below. Due to your violations, I will take legal action and submit a complaint for small claims for default judgement, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand VALIDATION and VERIFICATION of this alleged debt. If proof can not be provided, I demand these items to be removed from my account. 
Please see attached documents below for the reference item : XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, Case Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I was trying to get an apartment and realized damages on my credit report. 
According to 15usc1681 law there should be no damages on my report is defamation of my character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
Fraudulent accounts that need to be removed that's negatively impacting my credit report. 
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 these are some of the fraud accounts that was opened when my identity was stolen I uploaded supporting documents for these accounts and others.

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 2024-04-16 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: TX

Complaint narrative:
Fraudulent accounts that need to be removed that's negatively impacting my credit report. 
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 these are some of the fraud accounts that was opened when my identity was stolen I uploaded supporting documents for these accounts and others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: WA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DigniFi
State: IL

Complaint narrative:
Account was opened via XXXX XXXX. I never received a statement, card, or account information. I obtained information via credit report. 
This account was changed off XX/XX/XXXX first payment never received. In effort to resolve account I contacted DIGNIFI in XX/XX/XXXX. Per the settlement process provided by representative I submitted a 30 % of balance settlement offer in writing via fax number provided XX/XX/XXXX. No response from DIGNFI. I called back and spoke with a representative who gave me a mailing address as payment method. I mailed offer, agreement, and payment with tracking and return receipt. I received signature confirmation receipt. The cashier for XXXX was cashed XX/XX/XXXX. My credit reports has not reflected payment or settlement as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- XXXX, Equifax, and XXXX - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities. 

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly. 

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: IL

Complaint narrative:
Recently my last payment have not been applied as interest and principal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase decided to close my account with a remaining balance of XXXX dollars. They have restricted the account and refused to honor payments from the account for which funds are available. Initially I was told that the check would be mailed to me within XXXX to XXXX days. After a week, they are now informing me that it could be up to 45 days, followed by a XXXX to XXXX day waiting period before mailing it. When I asked to speak to a supervisor they told me I could go to a local branch and have a branch XXXX lift the restriction. When I attempted to do so on XX/XX/16, they informed me that there was nothing they could do and it would be a minimum of 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XX/XX/2018 I legally changed my last name through the proper channels of the District Court of XXXX XXXXXXXX XXXX XXXX XXXX. I promptly updated my Drivers License, Social Security Card, and Bank card to my new last name. As I didn't have any open lines of credit at the time I was told I would not need to make any other changes. Later in XX/XX/2018, my personal data was exposed in a data breach of XXXX  now part of XXXX. My equifax was placed on a freeze and ever since I have not been able to fix the issue. I have reached out in multiple attempts to fix this and now I am wanting to open a line of credit to help me pay for school and living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: MS

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
Please check the documents that I've sent. There are unauthorized inquiries on 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 explanation