vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to address a matter of serious concern regarding a debt collection attempt made by LVNV Funding LLC, which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>24, I discovered that LVNV Funding LLC reported a debt to XXXX or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt XXXX must provide consumers with certain information before reporting a debt to credit bureaus. 

Specifically, LVNV Funding LLC failed to adhere to the following requirements under the FDCPA : 1. Notification of the Debt : Prior to reporting a debt to credit bureaus, debt XXXX are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from LVNV Funding LLC. As a result, I was unaware of the debt until I discovered it on my credit report. 

2. Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, LVNV Funding LLC did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

3. Timeframe for Disputing the Debt : Even if I had received notification of the debt, LVNV Funding LLC failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute. 


Please be advised that I am prepared to take legal action if necessary to ensure that my rights under the FDCPA are upheld. I expect your prompt attention to this matter and a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS HAS CAUSED DAMAGED BEYOND BELIEF. THEY STARTED CALLING ME AROUND XX/XX/year> IN A VERY HARASSING AND RUDE TONE REQUESTING FOR MY SSN WITHOUT GIVING ME ANY INFORMATION ON WHO THEY ARE AND WHAT THEY ARE CALLING ABOUT. BEING A PRUDENT PERSON, I DO NOT PROVIDE MY SSN TO STRANGERS WITHOUT ANY CONTEXT. AFTER MULTIPLE INDEPENDENT ATTEMPTS TO FIGURE OUT WHAT IS HAPPENING ON MY OWN, I FINALLY REALIZED THAT THIS WAS RELATED TO MOVE-OUT FEES THAT I HAD INCURRED 3 YEARS AGO THAT I HAD TALKED TO MY LANDLORD ABOUT BUT THEY NEVER RESPONDED TO MY EMAILS. I HAVE A NEARLY PERFECT XXXX CREDIT SCORE, I HAVE AN EXCELLENT JOB AND HAVE BEEN EMPLOYED A WORKING PROFESSIONAL AND XXXX FOR OVER 10 YEARS AND I AM RESPONSIBLE. I WAS NOT EXPECTING TO BE SENT TO COLLECTIONS AGENCY. ATTACHED IS MY NUMEROUS ATTEMPT TO UNDERSTAND CHARGES FROM MY LANDLORD. MY EMAILS WERE IGNORED. I DECIDED TO PAY THE FEES ON XX/XX/year> ( 3 YEARS AFTER MY EMAILS WERE IGNORED ) WITHOUT KNOWING WHAT THEY WERE JUST SO I CAN SAVE MYSELF SOME TIME AND HEADACHE. I AM IN THE PROCESS OF PURCHASING A HOME AND NEED THE BEST CREDIT SCORE POSSIBLE. THE COLLECTION AGENCY REMOVED THE DEBT FROM MY ACCOUNT IN XX/XX/year>, SEE ATTACHED. IN XX/XX/year> THEY ERRONEOUSLY ADDED THE SAME DEBT THAT I HAD ALREADY PAID FOR BACK TO MY ACCOUNT, RESULTING IN A XXXX POINT DECREASE IN MY CREDIT SCORE!!! THIS CAN COST ME XXXX AND XXXX OF DOLLARS AS I WANT TO GET THE BEST INTEREST RATE THAT I WORKED HARD FOR. I CALLED THE COLLECTION AGENCY ON XX/XX/year> ( PLEASE REQUEST THE RECORDED CONVERSATION ) THE PERSON I SPOKE TO WAS EXTREMELY RUDE AND ON NUMEROUS OCCASIONS SAID " THIS SLIPPED THROUGH THE CRACKS '' SOMETHING WENT WRONG AND THEY MADE A MISTAKE AND CHARGED ME FOR THE SAME DEBT. THEN THEY AGAIN PROCEEDED TO HARRASS ME AND BE EXTREMELY RUDE ON THE PHONE AND DID NOT RESOLVED THE ISSUE THEY SAID THEY NEED TO LOOK INTO IT EVEN AFTER PUTTING ME ON HOLD FOR 5 MINUTES AND EVEN AFTER ALREADY CONFIRMING ON THE PHONE THEY MADE A MISTAKE!!!! I WOULD LIKE TO PRESS CHARGES AGAINST THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-06-05 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: NJ

Complaint narrative:
I recently reviewed my equifax credit report a saw fraudulent reports from a collection company, XXXX XXXX XXXX for {$13000.00}. Places remove this fraudulent reporting information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: KY

Complaint narrative:
I sent a letter to XXXX and asked for validation because what they are allowing these companies to report are inaccurate they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. 

XXXX Account number- XXXX is completely inaccurate and they updated this account to new inaccurate information this credit line was for XXXX I used this account and was only able to pay which the account was paid in full I could not access this account and they have no support available besides email. They were continuously charging me their fees for a account that was up to date paid in full I cant even access and haven't had access to for about 2 years now this is so unfair. 

XXXX XXXXXXXX XXXX XXXX I closed this account because all of my accounts with this bank were hacked I reported this issue they bank even gave me new accounts this investigation could not been properly done. 

XXXX XXXX XXXX everything about this account is wrong its not mine and I cant even get information to this account they told me I was giving them the wrong address and personal information so what information is the company using at least help me help myself. 

XXXX XXXX XXXX XXXX I've sent out certified mail to validate date the keep calling harrassing me instead of sending information i request to verify deby now the are saying the debt is for a minor child which and refuse to send information by mail because I rather not argue with their rude customer service reps. 

XXXX XXXX XXXX Clueless to this account period XXXX XXXX- XXXX This account is not mines and I've been transferred and referred to so many other parties that were not able to help me so what did this company use please help me understand. 

XXXX- XXXX account information inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: LA

Complaint narrative:
Unauthorized inquiries appear 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
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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 want these inquiries deleted from my credit report because I did not authorize these companies to run my credit. the inquiries are attached in document below

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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
Consumer complaint received 2024-06-05 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: WI

Complaint narrative:
I am writing to formally lodge a complaint against Experian regarding their handling of disputed accounts on my credit report. Despite numerous disputes I have submitted about unverified accounts, Experian has repeatedly responded with pre-generated stall letters instead of conducting a proper investigation.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
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 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 2024-06-05 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: WI

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their handling of disputed accounts on my credit report. Despite numerous disputes I have submitted regarding unverified accounts, Equifax has consistently responded with pre-generated stall letters instead of conducting a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
I noticed that on XX/XX/2024 I have an unauthorized/fraudulent inquiry on my Experian credit profile from cnba. I also notice on my XXXX I have an unauthorized/fraudulent inquiry from dept of ed. Under the fcra guidelines these inquires need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX XXXX. Account Number XXXX 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