vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
Someone tried to apply for credit with my social security number without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 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: GA

Complaint narrative:
I have made several attempts to address a collection reported on my credit report from LVNV FUNDING LLC for {$600.00}. I have sent several certified USPS letters to both the collection company ( LVNV FUNDING LLC & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with LVNV FUNDING LLC XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. XXXX has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to LVNV FUNDING LLC addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that LVNV FUNDING LLC does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of XXXX, therefore LVNV FUNDING LLC. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes for accounts reporting on my TRANSUNION credit report that do not belong to me. I have submitted multiple fraudulent disputes where Transition states they have " verified '' the account as mine, but when I ask for them to provide me proof of how it was verified they do not comply, but continue to leave the accounts reporting on my credit report. it is a violation of my consumer laws to furnish deceptive forms including unlawfully reporting inaccurate information to a consumers credit report. It is also a violation of my consumer rights to not properly furnish the form of verification that was used to " verify '' the inaccurate fraudulent accounts reporting 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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, XXXX, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, Experian, XXXX erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you

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 2022-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I disputed this debt in XX/XX/2022. The creditor was unable to verify the debt and amount due. The creditor dropped collection attempts and agreed to remove it from my credit report. 

On XX/XX/XXXX the reported the debt again to be in collections. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 2 ; it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. 
The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. 
The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: UT

Complaint narrative:
Multiple calls during business hours, refused to identify what they are calling about without me revealing sensitive information to " verify '' who I am, which is in clear violation of FDCPA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a HELOC with XXXX ( XXXX ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my XXXX XXXX was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the XXXX balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side. 

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, XXXX is now knowingly in violation of the FCRA and is not taking steps to correct that violation. 

I have attempted multiple times to have XXXX reverse the erroneous delinquency filing and they have refused to do so on each occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Someone tried to open an account at XXXX and XXXX in my name and I am asking for the inquiries to be removed immediately. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone tried to open an account at XXXX and XXXX in my name and I am asking for the inquiries to be removed immediately. Thanks

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 2022-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK
State: NC

Complaint narrative:
I applied for a refinance of a rental property. We are well past the proposed timeline. I can not get in contact with anyone. My loan office has not responded to my calls or texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
mailed to transunionXXXX  and XXXX asked for a verify/and or validate this alleged debt owed to XXXX. data also requested the contract and signature that I provided to XXXX. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 80XXXX ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I applied for a XXXX XXXX. Thats what it said I was applying for. Instead I was sent another XXXX card. It is obviously a bait and switch.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Notice of pending litigation seeking relief and monetary damages under FCRA Section 616 & Section 617 please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting Act regarding your refusal to delete unverified information from my consumer file.I intended to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately.a copy of this letter as well as copies of the three written letter sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, Transunion, XXXX, XXXX erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, XXXX, Equifax erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
On XXXX XXXX a hard inquiry for an XXXX XXXX was placed on my TransUnion credit report. On XX/XX/XXXX a hard inquiry from XXXX XXXX was placed on my TransUnion credit report. I contacted TransUnion 3 separate times to contest and delete the inquiries> they were supposed to send letters to each company and dispute them but i never heard back from them.

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