vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-22 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:
Dear Dispute Resolution Team, I am writing to dispute the accuracy of information regarding an account on my credit report. The account in question is foXXXX XXXX XXXX XXXX account number : XXXX. The account currently being reported with a status of " collection, '' indicating that it has been sent to collections. However, I have reason to believe that this information is inaccurate. 

Upon reviewing my records, I have confirmed that this account was never sent to collections. Instead, it was closed and transferred to another lender. There was no instance where this account entered into a collections status. 

I kindly request that Equifax provide proof or documentation supporting the claim that this account was sent to collections. As this information is inaccurate and potentially damaging to my credit score and financial reputation, it is crucial that it be rectified promptly. 

I appreciate your attention to this matter and request that you conduct a thorough investigation into the reporting of this account. Please update my credit report accordingly to reflect the accurate status of this account. 

Thank you for your prompt assistance in resolving this dispute. I look forward to receiving confirmation of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: MO

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
I do not know this company nor do h own them anything. this company has violated it several State and Federal Laws and causing harm to my life with false and damaging information. they can not and have not validated the fraudulent debt but put negative and misleading information on my report they have Placed for collection an account that does not belong to me Creditor Name : LVNV FUNDING Creditor Contact C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), it is illegal to report information on my credit report without my permission. 

Please remove this information from my credit report immediately. 

Thank you. 

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 2024-05-22 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), it is illegal to report information on my credit report without my permission. 

Please remove this information from my credit report immediately. 

Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV FUNDING LLC has violated my rights as a federal protected consumer under the Gramm-Leach-Bliley Act. LVNV FUNDING LLC has taken my PRIVATE/ Nonpublic Personal Information and has made it PUBLIC and I as the consumer had no knowledge that they were releasing my Private / Nonpublic business matters Publicly. LVNV FUNDING LLC has unauthorized disclosed of my Private/ Nonpublic Personal Information such as but not limited to : Name, Social Security Number ( SSN ), Address, Date of birth, Payment history, Late payments, Balance amount, Account number, Date opened, the status of Account which describes as a Collection of Bad Debt, and Original Creditor Name to nonaffiliated third parties such as but not limited to : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX The listing of this Unauthorized Disclosure Of Private/ Nonpublic Personal Information without giving me the consumer the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party has resulted in a chain of damages against my XXXX score which also has resulted in denial of opening new lines of credit, and/or opening new property leasing Agreements due to derogatory comments and/or listing such as but not limited to : Name, Social Security Number ( SSN ), Address, Date of birth, Payment history, Late payments, Balance amount, Account number, Date opened, The status of Account which describes as a Collection Of Bad Debt, and Original Creditor Name to nonaffiliated third parties such as but not limited to : XXXX XXXX XXXX, XXXX XXXX and XXXX. 
According to 15 U.S. Code 6802 ( b ) ( A ) LVNV FUNDING LLC NEVER clearly and conspicuously disclosed to the me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) LVNV FUNDING LLC NEVER gave Me the consumer the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) LVNV FUNDING LLC NEVER gave Me the consumer an explanation of how the consumer can exercise that nondisclosure option!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

also my name is XXXX XXXX - Please delete all othe rnames your showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-22 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: GA

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. 

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2024-05-23 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 

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 2024-05-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
A Vanilla Visa Gift Card in the amount of {$200.00} was purchased by a family member on XX/XX/2023 and given to me as a gift. I attempted to use the gift card a few times over the next couple months but it was always declined. I checked the balance on the Visa website and noticed a couple of days after the gift card was purchased by my family member a fraudulent transaction was charged against the gift card for the full {$200.00}. 
On XX/XX/2023 I filed a fraud report with Vanilla/InComm , the issuer. I sent a picture of the gift card along with the purchase receipt as they requested. On XX/XX/2023 Vanilla/InComm acknowledged receipt and advised it may take up to 30 days for a response.

After 30 days I had called Vanilla/InComm customer service with my case number XXXX and asked for an update. The representative advised a replacement card will be sent out due to the fraudulent transaction but may take 90 days to be processed.

I waited the full 90 days and did not receive a replacement card. I called Vanilla/InComm provided my case number and requested an update. The representative confirmed my name and address and apologized for the delay and said she escalated the request and the replacement card will be sent in the next few business days.

I waited another few weeks and called Vanilla/InComm again , providing my case number, the representative said he escalated the request to another department and to call back in 48 hours. I requested information to be e-mailed to me regarding the case and he declined. I advised the representative the issue has already been escalated and I want the status at this time. The representative declined and said to call back in 48 hours. I advised I will be filing a formal complaint at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: MA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-22 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:
The company is showing incorrect information like addresses which I have never lived there or address that I have never lived there. Also there are some inquiries that i have not

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 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I was called by " XXXX '' ( XXXX XXXX. XXXX ) from I.C. System Inc. ( " I.C. System '' ) attempting to collect a debt from XXXX. I believe this may be in regard to written correspondence I received from I.C. System, dated XX/XX/year>, to which I replied in writing in a Letter Re Debt Collection Attempt, dated XX/XX/year> ( the " Letter '' ) concerning an amount alleged owed totaling {$280.00}. 

On the phone call, as I did in the Letter, I requested written documentation itemizing each and any alleged debt that is owed so that I can verify the veracity of the claims myself. 

On the phone call, instead of agreeing to provide such written documentation, XXXX argued that she didn't have to provide it and that they didn't have it nor were required to and instead kept threatening to take action and report the debt. ( I additionally indicated on the phone call that I was unsure about some of the alleged details ( e.g., time, place of return, address at the time ) and why I wanted to see written documentation, but that was also ignored. ) To be sure, I have yet to receive a response to the Letter. But given XXXX XXXX attitude on the phone call, I was alarmed by this conduct and am proceeding to file this 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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX Consumer Financial Protection Bureau Dear Sir/Madam , Subject : Issue with Deposited Funds into Closed Bank Account through XXXX XXXX I am writing to bring to your attention a concerning issue regarding a recent financial transaction that has caused significant inconvenience and financial distress. The details of the matter are as follows : I recently started working with XXXX XXXX, a company that utilizes the XXXX XXXX for paying its employees. Due to an oversight, an old and closed Chase bank account and debit card were still associated with my Stripe account. Consequently, on XXXX XXXX, a paycheck of {$480.00} was mistakenly deposited into this closed Chase account ending in XXXX. 

Upon discovering the error, I promptly contacted both XXXX XXXX and XXXX to rectify the situation. However, I was directed to Chase Bank by both parties to resolve the issue of the misdirected funds. After extensive discussions with Chase Bank 's customer service representatives, including the collections department, it was confirmed that no funds were deposited into the closed account ending in XXXX. 

This discrepancy is causing confusion and financial hardship for me, as XXXX XXXX insists that the funds have been successfully deposited into the account ending in XXXX. I have provided all necessary information and evidence to Chase Bank to support my claim, but to no avail. 

I am seeking your assistance in resolving this matter promptly. I kindly request your intervention in facilitating the retrieval of the misplaced funds and ensuring that they are redirected to the correct bank account associated with my Stripe account. 

I have attached relevant documentation, including transaction records and correspondence with all parties involved, for your reference. Your prompt attention to this matter is greatly appreciated, as the funds are urgently needed for essential expenses. 

Thank you for your time and assistance in addressing this issue. I look forward to a swift resolution and the return of the funds to the correct account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: MA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation