vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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:
This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. XXXX XXXXXXXX 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 2024-08-20 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. This information is fraudulent and I have no relationship to them. Please remove these information from my credit report immediately Inaccurate Addresses : XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and 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 2024-08-20 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: NY

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. This information is fraudulent and I have no relationship to them. Please remove these information from my credit report immediately Inaccurate Addresses : XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
XXXX - Account # : XXXX XXXX - Account # : XXXX I am a victim of identity theft, and several collection accounts have been fraudulently opened in my name without my knowledge or consent. These accounts are causing significant harm to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and have fraudulent information removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
XXXX - Account # : XXXX XXXX - Account # : XXXX I am a victim of identity theft, and several collection accounts have been fraudulently opened in my name without my knowledge or consent. These accounts are causing significant harm to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and have fraudulent information removed from 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 2024-08-20 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
My complaint responses are coming back as the accounts being verified. None of the accounts that I have listed in my report or letter below belongs to me. I am asking that these accounts be removed completely for it is affecting my character.

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 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from 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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Citibank concerning their refusal to reissue a check dated from XXXX. The check, which is valued at approximately {$710.00}, has not been cashed, and I require a reissue to resolve this matter. 

On XX/XX/XXXX, I contacted Citibank to request the reissuance of the check. However, I was informed by a customer service representative & a supervisor that the bank had purged their system of records from that period and could no longer assist me in reissuing the check. ( The check was issued in XXXX. ) This response is unacceptable, as I believe it is within the bank 's responsibility to retain sufficient records and provide customers with the necessary support to resolve such issues. 

This amount is significant, and I urgently need the bank to take action to reissue the check. I kindly request that the CFPB intervene in this matter to ensure that Citibank fulfills its obligations to its customers. 

Please let me know if any further information or documentation is required to facilitate this complaint. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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. ( TRANSUNION 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 2024-08-20 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed unfamiliar inquiries listed.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account.

This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy.

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted TransUnion and XXXX about this XXXX account # XXXX that show XXXX balances but, reporting charge off and they told me that, this information was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information.

They deliberately refused for the past 7 months to show or provide Details of the evidence and documentation they used to substantiate the reported information.

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> I was sent some money in Venmo. {$110.00} was in my account. When I went to cash out it would not let me cash out to my bank card. The same bank card I have been using to add money to my Venmo wallet. Legally under my name. I then got an email that my account was frozen for verification. My venmo account was verified with state photo ID since I opened the account. All legally under my name. Ive only had my account a week and they froze my acct supposedly for account verification. I sent my ID and the picture of my bank card that I was transferring to ( with only showing the last 4 numbers ) that shows my name on the card and it matches the name on the account as well as my ID. They have not gotten back to me with any response and the customer service is horrible. They are telling me I have to resolve through email. Now my money is just sitting in an account that I cant access. There are thousands of XXXX complaints from this company detailing the same story. They are freezing consumer accounts for no reason. If the account has been verified there is no reason why my account should be frozen for verification of identity. They know who I am they have the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: MD

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 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number:XXXX, Consumer Date Of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, XXXX and Experian credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer FICO credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my 3 discosures pursuant FCRA Gramm leach Bliley ACT ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I'm requesting an hearing with corporate office of this company and remove anything negative from my XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: LA

Complaint narrative:
I'm requesting an hearing with corporate office of this company and remove anything negative from my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: 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 and 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 non-monetary relief
Consumer complaint received 2024-08-20 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:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Resurgent Capital Services L.P., I am reopening my complaint regarding the debt... I appreciate the detailed transaction history that was prepared by Resurgent Capital Services. As you stated in the letter, your summary report is not an account statement from the original creditor. Moreover, the information did and does not fully address the issues I raised regarding the validation of the debt. Specifically : Lack of Original Creditor Documentation : Your response did not include documentation from the original creditor. I requested a copy of the original signed agreement to establish liability for this debt, which is not present in your response. Per FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ], you must provide the original signed agreement.

Absence of My Signature : There is no signed agreement or contract, which is required under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ].

Incomplete Proof of Debt : The documentation lacks a detailed breakdown of the original debt and adjustments made, as required by FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ].

No Proof of Ownership : There is no proof that LVNV Funding LLC owns the debt or of any transfer from the original creditor, required under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ].

Incorrect Address Information : The address listed does not match an address during the alleged debt period, raising accuracy concerns under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ].

License to Collect : Please provide proof that LVNV Funding LLC and Resurgent Capital Services are licensed to collect debts in Georgia, as required under state law.

Please send a physical copy of all relevant documentation, including the original agreement and detailed account information. Failure to provide proper validation may result in further action under FDCPA and FCRA.

Company response to consumer: Closed with explanation