vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: MI

Complaint narrative:
Name : XXXX XXXX, XXXX # : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion Credit Reporting Agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX At XXXX XXXX ( XXXX ) with a balance of {$5000.00} and XXXX XXXX XXXX ( XXXX ) with a balance of {$4600.00}. Also two student loan accounts XXXX XXXX XXXX ( XXXX ) XXXX with a balance of {$6200.00} and the other account balance of {$3600.00} on XX/XX/XXXX. Finally an auto loan account XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX with a balance of {$15000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 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: MD

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This card was paid off and debt collectors still say I owe this was back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-21 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This letter is sent in response to a collection debt shown on my credit report I am requesting that LVNV Funding LLC provide verification of this debt. I have not received any communications about this debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 1 U.S.C. 1692g, I am requesting that LVNV Funding LLC provide me with the following information to validate this debt.

1. The name and address of the original creditor, the account number, and the amount owed.

2. A copy of the original contract agreement.

3. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent.

5. Please also note whether this debt is within the statue of limitations and how that was determined. 

Please also cease and desist phone calls to my number, please only communicate with me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to me.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The presence of incorrect information on my credit report is unacceptable and needs to be corrected immediately. These errors should have never been reported in the first place, and the fact that they exist raises serious concerns about the reliability of this reporting system. This negligence has directly impacted my financial stability, and I refuse to allow it to continue. 

As a consumer, I am legally entitled to a credit report that is free of inaccurate or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be correct, and any errors must be rectified immediately. I expect a full investigation into these inaccuracies and immediate corrective action. Delays are not acceptable. 

XXXX XXXXXXXX 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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a text on XX/XX/XXXX from Truist bank : Truist Fraud : Did you attempt a {$1900.00} purchase on card ending XXXX at XXXX XXXX XXXX XXXX Reply YES/NO/HELP. 
Dont want fraud txtx? Reply STOP I answered No.

-- Then I received a call from them ; I said I never heard of Truist. They person said they will decline the charge and close the account.

-- Later I saw it show up on my experian credit report.

I have never ever had any communication with truist before.

So I reported it to Truist.

On XXXX I received a letter from Truist, when i opened it, it was a statement showing a credit limit of {$17000.00} and was used to the extent of {$16000.00}. 

Charges XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$5200.00} via Bank of America business debit card for a service on XXXX. On XX/XX/XXXX, XXXX issued a refund to the same debit card, but by that time, my Bank of America account was already closed. 

XXXX provided a refund confirmation document, which includes an Acquirer Reference Number ( ARN ) that allows Bank of America to track the transaction. However, when I contacted Bank of America, they claimed they could not locate the funds and insisted that they had no way to track refunds sent to a closed account.

I have requested Bank of America to use the ARN to locate the refund and either return the money to Fiverr or issue me a check, but they have refused to take action.

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 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia, XXXX Dear Rent recovery solutions LLC, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-21 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: WI

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by TransUnion on my credit report concerning my XXXX XXXXXXXX XXXX account XXXX XXXX XXXX Account XXXX XXXX. Reference number XXXX I believe this inaccurate reporting is a result of violations of the Fair Credit Reporting Act ( FCRA ). 
Specifically, I am disputing the negative information associated with my XXXX XXXX XXXX account, as XXXX has : 1. Failed to thoroughly investigate my dispute : I submitted relevant documentation that was ignored or inadequately considered by TransUnion.

2. Reported previously deleted inaccuracies : I have noticed that inaccuracies related to this account, which should have been removed, reappeared on my credit report.

3. Provided confusing or contradictory results : I received conflicting statements from XXXX in response to my dispute, such as both " this has been verified as accurate '' and " this item has been deleted. '' The contradictory nature of these responses undermines my ability to trust the accuracy of the information on my credit report. 
4. Misreported my credit score : Due to coding errors, my credit score has been inaccurately calculated, which could negatively impact my creditworthiness.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
As of late XXXX, I was utilizing XXXX XXXX to fix my credit history. Upon this, I noticed a {$610.00} debt collection from LVNV funding which is based in XXXX, South Carolina. I tried disputing it online but failed. Therefore, I sent them a letter on XX/XX/XXXX, through the mail trying to find specifications on my debt because I had no memory of such a collection. On XX/XX/XXXX, Resurgent Capital Services got back to me on behalf of LVNV funding. They stated that the original creditor was XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The origination date for this was XX/XX/XXXX. Moreover, the account balance is being listed at {$250.00} whereas on XXXX XXXX it's {$610.00}. What's astounding is that in their response, Resurgent Capital Services claims that due to the age of this debt, they can not sue me nor report this to any credit reporting agency. But it's indeed on XXXX XXXX and it's an inflated amount for some reason. I already asked for information or evidence proving that I owe this debt however it seems that they didn't read my letter properly. They're asking me to write to them again otherwise they would assume the information is correct. I humbly ask for some assistance on this matter as I affirm my claim that I have no knowledge of this debt and I will need substantial evidence to find clarity on this matter. Considering, it's such an old matter I believe it shouldn't be on any credit reporting agency. Attached will be my letter that I sent labeled ( Debt Collection ), and the letters I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Seeking review of my credit card accounts in support of SCRA for my military service dates from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I recently discovered that my credit report contains inaccurate account information. Some accounts have incorrect payment histories, balances, or statuses that do not reflect my actual financial activity. These errors are unfairly affecting my credit score.

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 2025-02-21 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: GA

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 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