vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am filing this complaint against XXXX, a division of Fifth Third Bank, for a willful violation of the automatic stay in my Chapter XXXX bankruptcy. I filed for bankruptcy in the XXXX XXXX XXXX Utah on XX/XX/2024, due to financial difficulty, and XXXX was listed in my creditor matrix. Through the electronic court system, creditors such as XXXX  are automatically notified of the bankruptcy filing via the XXXX XXXXXXXX XXXX ( XXXX ). 

On XX/XX/2024, I sent XXXX an email informing them of my bankruptcy and the automatic stay, and I specifically instructed them to cancel the scheduled automatic withdrawal for XX/XX/2024, as processing this payment would violate the automatic stay. Email has been the only established form of communication between myself and XXXX regarding this account, and I made it clear that any withdrawal would be a violation of federal law. Despite this, XXXX proceeded with the withdrawal of {$200.00} on XX/XX/2024. 

XXXX had full knowledge of the automatic stay and the fact that they wrongfully withdrew funds, yet they chose not to take any corrective action or refund the amount immediately, even though they could have done so at any time. They only initiated the refund process after I contacted them on XX/XX/2024, which highlights a deliberate choice to delay rectifying the violation. 

Violations : Violation of the XXXX XXXX ( 11 U.S.C. 362 ) : XXXX action of withdrawing {$200.00} after receiving notice of my bankruptcy constitutes a willful violation of the automatic stay under 11 U.S.C. 362. Their knowledge of the stay and failure to act promptly to refund the money shows a reckless disregard for bankruptcy law. 

Creditors, including XXXX were automatically notified via the XXXX. Their delay in refunding the money, despite being fully aware of the violation, entitles me to actual damages, punitive damages, and legal costs as allowed under 11 U.S.C. 362 ( k ).

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692e and 1692f, XXXX actions in continuing to collect a debt after the bankruptcy filing constitutes an unfair and deceptive practice. 

Potential Violations of Utah XXXX XXXX : XXXX failure to return the funds promptly XXXX also violate Utahs Consumer Sales Practices Act ( Utah Code 13-11-4 ), as they continued to engage in unconscionable practices by withholding my funds after being informed of the automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc.
State: VT

Complaint narrative:
I got a phone call from some one saying thay could help me with my bad credit so I listened and that had me pay like XXXX or so thay cond me in to something I didn't understand when I was like XXXX now that are saying I owe like XXXX which is ridiculous and they constantly call me and harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
RIDICULOUS!! AS I HAVE PROPERLY CLOSED MY ACCOUNT HOWEVER CITIZEN ATTEMPTS TO COLLECT FEES USING DECEPTIVE TACTICS. NO COMMUNICATION WAS RECEIVED FROM XXXX THREATENING NOTICE FOR INACCURATE CHARGED FEES/DISCREPANCY. CITIZEN REFUSES TO RECTIFY THE MATTER IN GOOD FAITH OR ADDRESS THE CONCERN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

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 2024-09-25 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: PA

Complaint narrative:
I am writing to formally file a complaint against Transunion regarding their failure to properly investigate and remove a fraudulent car loan account, along with fraudulent credit inquiries from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, and XXXXXXXX XXXX which continue to appear on my credit report. Despite numerous attempts to resolve this issue since XX/XX/2024, no resolution has been reached. 

This account was fraudulently opened in a state where I do not reside. Upon discovering this issue, I have taken all necessary steps to address it, including providing TransUnion with the following documents : Police report documenting the identity theft FTC Identity Theft Report Identity Theft Affidavit Proof of residency ( including a recent utility bill ) I have mailed these documents to TransUnion on multiple occasions and have called repeatedly to discuss the matter with their representatives. Each time, I have been asked to resend the same documents. On XX/XX/2024, I received yet another letter from XXXX XXXX XXXX requesting that I resend all previously submitted documentation. On XX/XX/2024, I mailed my utility bill, drivers license, Identity Theft Affidavit, FTC Report, and police report again, along with a copy of XXXX XXXX XXXX 's letter. 

During this process, a representative assured me that once the documentation was received, the fraudulent account would be removed from my credit report. However, despite complying with every request and submitting the appropriate documentation, this account remains on my credit report. On XX/XX/XXXX, I contacted XXXX XXXX XXXX, and they informed me that they had contacted TransUnion to expedite the removal of the fraudulent account. However, TransUnion has yet to update my credit report. 

I have also contacted all other companies related to the fraudulent inquiries and provided them with the FTC reports. Each of these companies has stated that TransUnion must remove the accounts. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or incomplete information from consumer credit reports. I demand that TransUnion immediately remove the fraudulent account from my credit report and cease any further reporting of this erroneous information. 

Please investigate this matter promptly and take immediate action to ensure my credit report accurately reflects my correct information. I have attached all relevant supporting documents for your reference. 

Thank you for your attention to this serious issue. I look forward to your swift resolution.

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 2024-09-25 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-09-25 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
According to Law FRCA SECTION 605b, it is illegal to report information on my credit report without my permission. I noticed financial institutions disclosed my non-public personal information to multiple non-affiliated third parties and I was never provided with any notices to give any consent to those said parties stated within the law 15 USC 6802. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV placed an collection account on my XXXX Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX

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 2024-09-25 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent activity. Please remove all fraudulent accounts.

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 2024-09-25 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: TN

Complaint narrative:
This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.i do not owe XXXX $ to XXXX  XXXX XXXX. They sent me an automated response, document without my signature for the debt thats liable to me or XXXX verification this is highly unacceptable i am adding the proof that they sent me ( cc ), they are treating this matter like a sweep under the rug.. I am requesting a reinvestigation AND your VALID method of verification once again, and they have not complied the first time, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter

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 2024-09-25 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: TN

Complaint narrative:
This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.i do not owe XXXX $ to XXXX  XXXX XXXX. They sent me an automated response, document without my signature for the debt thats liable to me or XXXX  verification this is highly unacceptable i am adding the proof that they sent me ( cc ), they are treating this matter like a sweep under the rug.. I am requesting a reinvestigation AND your VALID method of verification once again, and they have not complied the first time, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: CA

Complaint narrative:
{$73.00}. 

I have contacted multiple times as you see from the screenshots below. Multiple times. I have filed a detailed police report, I have filed and identity theft report with the FTC. I have shown and proven multiple times it is a fraudulent account no matter what data their system has, yet they refuse to let it go. At this point Im filing a complain with he state attorney generals office, with the CFPB, and I am speaking to a lawyer about possible legal action to pay for damages and my lawyer fees. 
Looks like they're about to lose more than {$73.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: PA

Complaint narrative:
Information has been reported on my credit report that is FALSE. There are accounts that i have no knowledge of reporting on my credit reports. There are inquiries that I did not give permission for on specific dates listed on the FTC report from multiple companies, this information is fraudulent.

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 2024-09-25 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: PA

Complaint narrative:
Information has been reported on my credit report that is FALSE. There are accounts that i have no knowledge of reporting on my credit reports. There are inquiries that I did not give permission for on specific dates listed on the FTC report from multiple companies, this information is fraudulent.

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