vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Resurgent Capital Services emailed me on XX/XX/XXXX about an alleged debt that I have XXXX knowledge of. I have never received any phone calls or regular letters in the mail from them. Only this initial email. 

Their first email did not state I had a right to dispute the alleged debt within 30 days, a violation of my FDCPA rights. 

I was waiting for something in the regular mail, because they must send my rights within 5 days of first making contact. 

Instead they sent me another email on XX/XX/XXXX, and this email did not state I have a right to dispute the alleged debt within the 30 days as required by law. 

Later that day on XX/XX/XXXX, I emailed the company back. That I had not received any phone calls or regular mail from them. And asked them to confirm they have only sent these XXXX emails to date. They did not respond, the email went thru and did not bounce back. The email also did not state, do not reply etc. 

On XX/XX/XXXX I emailed the company and disputed this alleged debt and request validation. 

Resurgent violated my FDCPA rights for a XXXX time, and failed to cease collections until they validated this debt. They did not mail me anything or call my phone. 

But they continued to try and collect and sent me an email on XX/XX/XXXX At this point I figured they were trying to be deceptive with their email address. So I sent a XXXX dispute email to multiple valid email addresses to Resurgent and their parent company LVNV. Both are under the Sherman Financial Group umbrella. 

I have proof and electronic records they received my XXXX dispute email. 

On XX/XX/XXXX, XXXX sent me another email trying to collect on this alleged debt without sending verification on my dispute. 

I still have received XXXX phone calls and have never received any piece of regular mail from them. 

I believe they are intentionally sending these emails on purpose, not responding to them, failing to inform people of their rights, and trying to collect on debts not owed. 

If they send an email as communication, one should be able to send an email back to them. They will not list any email address on their website. I called them on XXXX XXXXXX/XX/XXXX at XXXX and asked for their email address. The lady who I spoke to was friendly but said she could not provide XXXX. 

They want you to create an account on their website to be able to contact them. But they have hidden language and if you do that, it creates a contract between you and them. It also stripes you of certain rights and privacy. 

Further more, their website stores cookies on your computer without permission, even if you decline. 

This company needs to be fined, like they have been in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of the credit freeze on my credit file with my information. Below are my details for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX I have attached the necessary documentation to verify my identity and residence. 
These include : A copy of my government-issued photo ID. 
A recent utility bill or bank statement as proof of address. 
I kindly request you to process this request at the earliest convenience and confirm once the freeze has been lifted. Should you require additional information or documentation to complete this request, please feel free to contact me using the information provided above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: RI

Complaint narrative:
I am disputing items with Lexis Nexis and they keep rejecting my letters, without even opening them, they come back saying refused. this has happened XXXX already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
XX/XX/year> I got a text about my phone esim changed, I got emails about purchasing things and transaction that I did not initiated. They have opened accounts using my personal information. A lease was fraudently created with Acima using my personal information, lease # XXXX. Most recent transaction ID # XXXX. They setup weekly charges from my bank using my information and probably other accounts that I am not fully aware of as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and noticed an unauthorized hard inquiry initiated by XXXX XXXX XXXX Credit Card. I did not apply for this account or authorize the company to access my credit report. 

Actions Taken : XX/XX/XXXX : Upon discovering the unauthorized inquiry, I immediately contacted the credit bureaus reporting the inquiry to file a dispute. 
A request was made to investigate the legitimacy of the inquiry and remove it if it could not be verified as authorized. 
XX/XX/XXXX : I reached out to XXXX XXXX XXXX Credit Card to request an explanation for the inquiry. 
I was unable to obtain any evidence or documentation demonstrating that I had authorized the credit pull. 
XX/XX/XXXX : A formal dispute letter was sent to the credit bureaus ( XXXX, XXXX, and TransUnion ) with supporting documentation, including a copy of my credit report highlighting the inquiry and proof of identity. 
A formal report was also made to the Federal Trade Commission ( FTC ) regarding this unauthorized activity. 
Outstanding Issues : To date, I have not received any resolution or confirmation that the inquiry has been removed from my credit report. 
I have not received evidence from XXXX XXXX XXXX Credit Card proving that I authorized this credit pull. 
Impact and Request : This unauthorized inquiry has negatively affected my credit score and raises concerns about the potential misuse of my personal information. 

I am requesting the CFPB to : Investigate the legitimacy of this inquiry. 
Ensure that appropriate actions are taken to remove the inquiry if it can not be verified as authorized. 
Hold the responsible party accountable for accessing my credit report without proper consent.

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 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Show Me The Contract with my Signature now or Delete the Account Immediately.

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 2025-01-02 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report this morning, and Im completely at a loss as to how or why this happened. I always monitor my credit, and everything has been fine until now, but these errors suddenly appeared out of nowhere. I tried refreshing my browser, thinking it might be a technical issue, but nothing changedthe inaccuracies are still there. Please, I am desperately asking for the documents Ive submitted to be carefully reviewed so this nightmare can finally end.

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report JPMCB CARD XXXX DE XXXX USA According t the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair credible report act please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim of identity theft. There is inquiry on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 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 2025-01-02 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
XXXX. Section XXXX of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
XXXX. XXXX XXXX XXXX XXXX : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account. 
XXXX. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
XXXX. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
XXXX. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
XXXX. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
XXXX. XXXX XXXX XXXX XXXX : The CFPB has XXXX authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. 

Specific Requests : XXXX. Conduct a thorough investigation into this account. 
XXXX. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
XXXX. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
XXXX. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CT

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-01-02 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:
This is my last hope, I have attached supporting documents.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a negative item on my credit report. Upon reviewing my credit report, I was shocked to find this account listed as negative. However, after conducting thorough research, I discovered that this same account is not being reported as negative by other credit bureaus, such as XXXX and 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally request the removal of the credit freeze on my credit file with my information. Below are my details for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX, XXXX, California XXXX I have attached the necessary documentation to verify my identity and residence. 
These include : A copy of my government-issued photo ID. 
A recent utility bill or bank statement as proof of address. 
I kindly request you to process this request at the earliest convenience and confirm once the freeze has been lifted. Should you require additional information or documentation to complete this request, please feel free to contact me using the information provided above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of the credit freeze on my credit file with my information. Below are my details for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX, XXXX, California XXXX I have attached the necessary documentation to verify my identity and residence. 
These include : A copy of my government-issued photo ID. 
A recent utility bill or bank statement as proof of address. 
I kindly request you to process this request at the earliest convenience and confirm once the freeze has been lifted. Should you require additional information or documentation to complete this request, please feel free to contact me using the information provided above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
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