vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Experian, I am writing to dispute the following item on my credit report : XXXX XXXX XXXX XXXX in the amount of {$1300.00}. 
I believe that this item is reporting in violation of my consumer rights. I am requesting that you validate this debt.

I am requesting the notice with my signature upon delivery within the five days of initial communication pursuant to 12 CFR 1006.34 which proves I was aware of this debt and had the opportunity to dispute.

I am also requesting the procedure taken if for any reason this item comes back verified. 
Please investigate this matter promptly and remove the disputed item from my credit report. 
Thank you for your attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2024-09-30 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: IN

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XXXX XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$310.00}, XXXX XXXX XXXX XXXX {$9400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$310.00}, XXXX XXXX XXXX XXXX {$9400.00}.

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 2024-10-01 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: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion and XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-01 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: TX

Complaint narrative:
I submitted this information originally on XX/XX/XXXX. I am disputing the charges of {$470.00} charged to my account TWICE by the merchant ( XXXX ). I canceled my credit card with XXXX XXXX because clearly there is no oversight ( security ) of charges on their credit cards. It is proven merchants have the authority to charge whatever they choose without input from the cardholder. 
I rented the XXXX  on XXXX XX/XX/XXXX and returned it and placed the key in THEIR secure lock box on XXXX XX/XX/XXXX. I was informed by an employee of the agency ( third party XXXX  ) that they dont always check in the vehicles daily ( how fortunate for them, they get to charge customers more whenever they decide to check the vehicle in ). 
The problem I have is that I am being charged for five days, using prior authorization because they did not have my credit card, which means I was not in the store five days later!!! XXXX XXXX is on a Friday versus a weekend, I would have been in the store to return the vehicle and would have BEEN AWARE that I was being charged an additional {$470.00} for the vehicle. 
It is apparent to me that this location practices overcharging their customers because they even charged 4 small fees prior to making the additional {$470.00} charge and XXXX  XXXX never questioned it or notified me!!! The XXXX was actually charged to my account several times. 
XX/XX/XXXXXXXX XXXX  {$3.00} XXXX XXXX  {$2.00} XX/XX/XXXXXXXX XXXXXXXX  {$2.00} XX/XX/XXXX XXXX {$2.00} As a result, I have requested my account be closed. It is clear to me XXXX XXXX does not have my best interest in mind. You are more interested in ensuring the charges apply. 
I will pay every XXXX that I made on this card and not XXXX XXXX  I didnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Portfolio Recovery Associates has harassed me over me account that they purchased originally from some company I have never opened a credit card with and have no knowledge of the account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account ending in XXXX from XXXXXXXX XXXX 
I have told them I was a victim of identity theft and fraud and this account was a result of identity theft due to the XXXX  XXXX data breach and have provided them with ample evidence and proof in regards to the matter that I have suffered from identity theft. In which I am working with the XXXX XXXX XXXX provided by XXXX to help with this matter as well. I have disputed this matter several times with them and have even requested all the documents and evidence be provided to me under the Notice to Furnish with Portfolio Recovery never responding or providing me with any sort of documentation as I have requested. I disputed this matter and they claim to have never received any disputes however it shows on my credit report that I they have received the dispute. Yet they fail to provide me with any sort of documentation proving that it was my signatures or anything else in regards to this account. Im completely fed up with playing this game with this company and I see why theyve been sued so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
My name is XXXX XXXX and last XXXX of my SSN is XXXX Credit Report # at Experian XXXX XXXX. 

Experian has allowed an alleged creditor named XXXX XXXX to report a fraudulent, illegitimate collections education debt on my credit report in the amount of {$14000.00}. This alleged collections account is a blatant fraud and is seriously damaging my creditworthiness. Moreover, it is causing me great emotional distress because I am currently looking to move and apply for a new house lease but can't because this frivolous account has caused my credit score to plummet almost XXXX points, down to below XXXX FICO score which disqualifies me with many landlords. 

XXXX XXXX does not have an iota of evidence linking me to this debt. The only document they provide evidencing the loan is a " student enrollment agreement '', with incorporated educational loan terms, that was filled out by a third party named " XXXX XXXX '' as the student applicant and signed by the same third party ( XXXX XXXX ). My info and my signature does NOT appear anywhere on the loan documents. It is blatantly obvious that this debt is not mine and Experian 's continued reporting of it is causing me damages. I have refiled a dispute with Experian regarding this account. I advise that Experian block the reporting of this fraudulent account because I am presenting very compelling evidence disputing the alleged creditor 's claim. Experian should err on the side of caution and tell the creditor XXXX XXXX to kick rocks unless he can present clear and compelling evidence and/or a Court order determining that the debt is mine ; which, however, the creditor does not have any such evidence or documentation because he would have already provided it if he did. 

This is a legal demand that Experian cease and desist and/or block the reporting of the frivolous collections account by XXXX XXXX. 

Attached to this email is a letter I have provided to Experian in my re-investigation dispute.

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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I order the cancellation of my request for {$53.00} from my Merrill Lynch XXXX checking account. IT WAS CONFIRMED and so I wrote a check for {$50.00} on this account. The check was present to my bank and IT, OF COURSE, BOUNCED! 

Now I am being charged an overdraft fee by Merrill Lynch XXXX is this is PATENTLY UNFAIR AND ILLEGAL! 

It was there fault that they did not honor my said cancellation! 

To add insult to outrage, Merrill Lynch sent me a check for {$53.00} THAT I HAD AS AFOREMENTIONED CANCELLED WITH CONFIRMATION OF SUCH BY MERRILL LYNCH!!!!!!!!!!!!

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 2024-09-30 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: FL

Complaint narrative:
experian are unwilling to accept the documentation provided to me to remove credit reports during the time i was forced into XXXX and XXXX XXXX. i am XXXX as a result and require assistance experience is not providing this request information.

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 2024-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt Collection Company : Resurgent Capital Services Address : XXXX XXXX XXXX XXXX MI XXXX Phone : XXXX Amount {$1600.00} Date : XX/XX/year> Reference XXXX I received several emails from LVNV Funding LLC states that I owe them {$1600.00} from XXXX XXXX XXXX. When I received that, I immediately printed and ask to verify the debt which I owe. Now I received emails from Resurgent Capital Services states state the debt from LVNV Funding is placed with them. I also printed and sent a request to verify the debt which I own from XXXX XXXX. Everything I have done my mail, so that I have the record. Resurgent sent several letters for the debt which I owe with the bank statements for several months, but they failed to supply the proof that I own them the debt. I am waiting for to reply which they did by sending a letter states that " If I don't pay the amount in six months, they will put my account into a " prelegal ''. I think I know this, law suit ''. I want to complain that the company made a thread to me because I have failed to disclosure the debt which I owe to the XXXX  XXXX. I under super stress right because of this letter. I have six accounts under collections, and I don't how to pay them. I do have a job, but it now enough to cover all these debt collections. I know I am in bad situation, but I just make that every debt wants to collect a debt, I want to sure that I not part of statistics of been scammed. I always ask collector to verify the debt, before I pay any penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I tried to perform disputes about issues on my credit report on my own, and was unable to get the issues fixed. 

I hired a credit fixing company to assist me in correcting issues on my credit report. I received a letter from Experian about 30 days after the initial dispute was filed to inform me they did not believe I was the individual disputing errors with my credit report. Experian wanted me to deal with them directly although I could not get them to fix the issues previously. The letter had a phone number. I called the phone number, and the computer prompts only directed me to the website to deal with them directly as I had previously. I wrote Experian at the address provided informing them that I did authorize the disputes. I included their initial letter and case number. After 30 days I received a second letter to inform me they did not believe I was the one who authorized the disputes, so they would not be taking any action on the disputes. I am almost at 90 days with them refusing to investigate my disputes for incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: IN

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX Account name : # XXXX Account name:XXXX. Account : XXXX Account name.XXXX Account name XXXX has violated my rights. 
I looked at my XXXX credit report on XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Collection Systems, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from a XXXX XXXX XXXX, Attorney at Law, representing American Collection Systems , Inc. in XXXX, WY, stating that they had sent me a Good Faith Attempt to Obtain Responses to Discovery Requests pursuant to XXXX. XXXX to compel responses to their interrogatory requests in regards to plaintiff 's XXXXXXXX XXXX XXXX XXXX Interrogatories served to me, yet the notice is blank of the date when such documents were served to me. The notice states that I have 5 days to respond. Although I did have previous debt in XXXX, WY, such debts are all over XXXX XXXX XXXX. I have not lived in the state of Wyoming for more than 8 years now. Prior to my moving away from Wyoming in XXXX, this same company had perpetrated continuous harassment upon me from debt that was accumulated before the XXXX and of which, was debt that was accumulated during a time period in my life where my spouse was charged with 2 domestic violence against a household member. twice, for perpetrating physical assaults upon me and the debt this company is attempting to collect occurred during that such period of my life. XXXX is a small community and I can state with confidence that American Collection Systems , Inc. and even their CEO were fully aware of my situation, yet refused to offer me debts forgiveness as part of my healing process to move on from the wreckage of my past. XXXX XXXX. the CEO of American Collection System , Inc. was at one point, a pastor at a church that I attended prior to his obtaining this collection agency company and by so, XXXX XXXX does in fact know me personally.

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 2024-09-30 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: IA

Complaint narrative:
These inquiries showed up on my report without my permission and it is causing me undue stress. These were not permitted, and I don't authorize any of these companies to pull these inquiries on my 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 2024-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year>, my company 's business account XXXX XXXX XXXX XXXX was restricted due to a deposit requiring verification. Prior to restriction my account received weekly payouts from XXXX XXXX XXXX  the processing bank for my company. With over XXXX phone call attempts to resolve the verification issue and providing XXXX ( XXXX ) direct lines of contact for XXXX XXXX XXXX given direct to Chase Executive Office Rep XXXX there has not been a attempt to verify the transaction. It is now XX/XX/year> I have been without the funds from the business services my company provides. This situation has caused mental, financial, family, educational damages to my future. The account has not been closed as of today.

Company response to consumer: Closed with explanation