vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
The first account, account number XXXX, reference number XXXX The second account, account number XXXX, reference number XXXX I do not owe this debt, I did not or do not give this company any permission to access or report anything on my credit report. PLEASE SHOW ME A LEGAL SIGNED CONTRACT BETWEEN XXXX XXXX XXXX and LVNV FUNDING LLC. You can not because I do not have a signed contractual agreement with your company. Stop sending me a bill and send me the original signed contract with my signature. 

I am responding to a debt you are trying to collect. I also have the right to request validation of the debt that you claim I owe this company. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also because you are a third party collector, you have no permission to furnish any information on my credit report initially. The law clearly states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didn't do that, there is no way I would ever give a slimy collection company permission to slander me on my credit report. 

Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from your company. I'll break it down very easy and simple for you, but if you fail to provide every single thing I request from your company, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which you have submitted this unverified and un-validated information. This is requesting PROOF OF CONTRACT to substantiate your claim. Where is the legal binding contract that I have signed showing where we have a contract? Where is the original signed contract from the original creditor? Do not show me a bill from the original creditor, show me a legal binding contract that I have signed with your company stating this debt is indeed mine. 

I request your company to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming LVNV FUNDING LLC as an entity entitled to enforce a commercial claim, you do not conduct commerce against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-07-11 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:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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 t
hat each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX 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 2024-07-11 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: AZ

Complaint narrative:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute Wells Fargo bank account which I believe were fraudulently opened without my consent. 
As a XXXXXXXX XXXX, I was in the United States like a XXXX student visa in XXXX, during which I obtained my Social Security Number. However, I departed from the US in XX/XX/XXXX. I returned to the US under the XXXX for XXXX program on XX/XX/XXXX ( attached below is documentation of my entry and exit from the US border ). 
It has come to my attention that I have a bank account listed under my name in Wells Fargo bank, which I did not open and didnt use, because i received my SSN in XXXX and account was open in XXXX. Attaching my report from Identitytheft.gov below. 
Therefore, I kindly request that this account be disputed, closed, and removed from my report promptly. This action is necessary to ensure that I can begin building my credit history in this country and proceed with opening a debit card and pursuing employment opportunities without further hindrance. 
Thank you for your attention to this urgent matter. I look forward to your swift resolution of this issue. 
I am a victim of identity theft, and this bank account do not belong to me. I request that this account mentioned in this mail be removed immediately. 

Attached to this email, you will find copies of all supporting documentation for the dispute. 

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Account was never open by me. 
Please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
Good day, I am asking for help in terms of the inaccuracy being reported on my file. I have requested and insisted the inevstigation and removal of 2 accounts that is listed on the letter I have attached on this complaint. Your help is much needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I filed a dispute on XX/XX/XXXX for two {$110.00} XXXX transactions that were unauthorized. MoneyLion said Id receive provisional credit under Regulation E in 10 business days if the claim needed more time. Its now XX/XX/XXXX, and I have yet to receive provisional credit for these disputed transactions which Im sure is a violation of Regulation E.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have obtained a recent copy of my TransUnion report and 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. 

XXXX XXXX  acct # XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX has violated my rights XXXX 
XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXXhas violated my rights 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 an 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 2024-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Collection account was placed on XXXX credit that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/2023, XXXX day I booked a package trip for XXXX to XXXX XXXX XXXX from XXXX. I used my Citibank credit card. Our travel dates were for XX/XX/XXXX returning XXXX XXXX. Total cost of our trip {$7800.00}. Immediately after booking my reservation my husband had a XXXX XXXX and was instructed to not fly for the next 90 days. It was less than 24 hours from the time we booked. it was not clear our hotel XXXX XXXX was nonrefundable. All the information said full refund if canceled within 24 hours. I contacted XXXX and was only refunded the air fare portion of the trip. I did not get a refund for the hotel which is the cost of {$5500.00}. I called XXXX 7-10 times, explained our situation to numerous agents and supervisors and was told to call XXXX XXXX XXXX I called XXXX many times and was told to call XXXX. I was shuffled between XXXX & XXXX with no solution. I then disputed the transaction with my credit card company but after 6 months they took XXXX side. I even asked for a voucher on a future trip rather than a refund but unfortunately no one will work with me. It is morally wrong to take {$5500.00} from someone due to health issues. I understand the Non refund policy which was not clear in the booking website, but they can issue a credit towards a future trip. Your assistance is appreciated. 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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/year> I recieved a call from American Express Company to inform me that my account was under financial review and then they proceeded to ask questions about my annual income, place of work, tenure, and whether I own assets. I provided all the information they asked, but then they informed that my account was chosen by a system whose algorithm determined I needed to submmit proof of my income to reevaluate my credit limit spend. They requested my employeer 's two last payment records as well as a copy of the last two bank staments from the bank account I have been using to pay the credit card balance. I was not happy at all with the unexpected request and was even suspicious the call was a fraud attemp. After talking to a supervisor I was informed I had no choice, but other to provide the required information otherwise my account was going to be put on temporary hold, and that I have a deadline to submit the information. After the call, I logged into my account online, and in effect, American Express placed my account on temporary hold, which prevented me to use it at all. The worst was the fact that I had a number of autopay debit charges set up to pay for various bills and services that will be affected due to the temporary hold. That was extremely frustarting, and I called the customer service number which was redirecting my calls to the fiancial review department, so I have to explain my self a number of times to so many representatives that what they were doing was not ok and really affected me in a great deal. All the answers I got were the same, that I had no choice but submit the information requested, and then they would proceed with a determination. I felt I was under cohersion to proceed in a way It was not justified. I have been a customer for over 13 years and had never miss a payment. After several calls, I have to explain myseld to a number of people just to proceed with a cancellation of the service. When I requested a refund for the annual memembership fee that I paid a few months ago for services they just cancelled without any reason, previous advice or jsutification, the anwer was always to get me back to the finanacial team to pressure me to submit the bank and pay stubs receipts. I felt all that was so unjustiefied and unnecessary. I am determined to cancel the credit card account, but the American Express Company declined my request to get credit for the annual membership fee I had already pay for services I was denied for. For this reason I am requesting you can intercede on my behalf to avoid this type of cuatomer abuse happens to others. Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally received a complaint letter and retaliated by informing three credit bureaus of a disagreement regarding unpaid XXXX items. However, the claim is false as the items were purchased on XX/XX/year>, and payment was made to Ally on XX/XX/year>. A redacted copy of the monthly statement is attached as proof that there is no outstanding debt to Ally or XXXX for the merchandise.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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