vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX and XXXX XXXX EST. Dont send any mail whether its USPS , XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV / Resurgent claims to own my account, having acquired it from the original creditor, XXXX XXXX  XXXX XXXX Account ending in XXXX in XXXX XXXX XXXXXXXX, with an account balance of XXXX at the time of acquisition, and a current balance of XXXX. 
( See Account Summary XX/XX/XXXX .. Doc # XXXX ) It's important to note that all communication and payments related to this debt should be directed to LVNV/Resurgent, the alleged current owner, or Resurgent, the agent of the owner.

I received a letter dated XXXX XXXX XXXX XXXX from XXXX XXXX  XXXX XXXX  that stated : Account ending in : XXXX Dear XXXX XXXX , A recent review of your payment solutions account showed an INCORRECT BALANCE. We've credited your account with XXXX, which includes any applicable fees and interest. If the adjustment results in a credit balance, a refund check will be mailed to you. We apologize for any inconvenience. ( See Doc # XXXX XXXX payment solutions ) XXXX XXXX  controls my account. My immediate concern is that LVNV/Resurgent reported inaccurate information to the 3 Credit reporting agencies. 
( See XXXX Report Doc # XXXX ... XXXX Report Doc # XXXX ... XXXX Report Doc # XXXX ) The original creditor verifies that XXXX is an incorrect balance with the deduction of the credit of XXXX from the incorrect balance, leaving an ending balance of XXXX is also incorrect. You can not deduct from an incorrect balance and create a correct one.

LVNV / Resurgent is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. The information and documentation provide clear evidence of an FCRA violation.

Therefore, I am requesting that the CFPB please take action to protect my rights as a consumer under the FCRA and have this account removed immediately from all three Credit Reporting Bureaus.

Thank You for Your consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My recent credit report review revealed multiple accounts I do not recognize and did not consent to. I request that these fraudulent accounts be immediately removed and blocked from my record.

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 2024-12-02 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: VA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-02 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELTE TO ANY TRANSACTIONS DONE BY 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 2024-12-02 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: MD

Complaint narrative:
Hello, I recently had some major repairs completed on my XXXX XXXX which had financially crippled me at the moment. I have my car loan via XXXX. I logged onto my account on XX/XX/XXXX and there was availability to pay one car payment and then fill out online documents for an extension on the remaining balance. I made the payment of {$220.00} and the extension documents were completed showing I was now current and would not be reported 30 days delinquent on my credit report. XXXX sent me a copy of the extension documents signed on by both parties for approval. Document number XXXX. Days later I go back in to look at my account and no evidence of the Deferment and now Ive been reported 30 days late. I called XXXX today, XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX a Customer relations associate. She tells me their department is the highest in the company and that my extension was reviewed again and denied due to my cars upcoming maturity date. I told her nothing was sent to me in writing stating this. She told me that they do not send the denial out in writing. I requested the denial in writing. She told me she was not going to send it to me. I told her then I can not believe it was actually denied. I have a signed document of approval and without a denial in writing, they could be telling me anything. I want my credit reporting corrected for this month as its unfair I was approved and under the impression I would not be reported as delinquent. I want my deferment shown as up to date and my credit reporting corrected and fixed. Also spoke to XXXX, ID number XXXX, Executive Resolutions Manger, also denied me the right to have the denial in writing. She stated thats not the companys practice. It sounds to me that they are refusing to honor the approval and back peddling because of their oversight.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Please find the relevant documents attached for your review and reference.

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 2024-12-02 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: FL

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: IL

Complaint narrative:
So, I emailed around this same time last year because selene finance keeps stating that I'm short on my escrow by XXXX. This year it's the same. They mysteriously fixed last years from over XXXX short to maybe XXXX, which I'm still paying on. Now again I received another letter stating I'm short, How? I have not missed any payments, my interest is a fixed 5 % for 30 yrs. I called them an when they told me the differences that my hm owners and property taxes increased to, it's not even XXXX bucks. I told them to look at it again and I'm not emailing in because they'll try to hit me with a XXXX fee for looking at my account. I told them I didn't have to do that last year. That they figured it out and sent me a letter stating they made an error. Then, their rep hung up on me. Nice way to do business, huh?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a debt that has been reported to my credit file by XXXX XXXX XXXX, which I believe is erroneous and should be removed. The debt in question has been reported to the following credit bureaus : XXXX, TransUnion, and XXXX. 

I have previously disputed this debt with each of the three credit reporting agencies, as I do not recognize this debt and have not received any valid documentation substantiating its existence. Specifically, I requested that XXXX XXXX XXXX provide me with the original purchase agreement or any other supporting evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received such documentation from XXXX XXXX XXXX. 

Despite multiple attempts to resolve this matter directly with the credit bureaus, the debt has not been removed from my credit report. I have provided all necessary documentation during my disputes, but the item remains unresolved. 

I am requesting your assistance in ensuring that this debt is properly investigated and, if it can not be validated with sufficient documentation, removed from my credit file. I believe that XXXX XXXX XXXX has failed to fulfill its legal obligations in validating the debt, and their reporting of this debt to the credit bureaus is unjustified.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: CA

Complaint narrative:
I strongly dispute the validity of this account reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information as from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was never paid from my deposit from my check is considered lost funds on the date of cashing the deposit a hold till XX/XX/year> was placed on my check from the local credit union, eventually I went to verity the check by phone to speed up the process. which a boa representative spoke to my bank directly to verify and made a solution for the local credit union to send my check back and they'll be able to reissue which was falsely told to me still never gotten paid. My first check is in the system as stolen which this was a duplicate check so I have never received a dollar boa is making me file more claims in which they're denying stating It was cashed when its not I have documents showing the check was sent back and the first one was never deposited because it was stolen

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 2024-12-03 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report 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 explanation
Consumer complaint received 2024-12-02 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: TN

Complaint narrative:
Account Information : Account Name : XXXX Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$16000.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance Updated on XX/XX/XXXX ) Original Balance : {$15000.00} Terms : 60 Months Dispute Reason : I am disputing the accuracy of the reporting on this account for the following reasons : Dispute Code : 112 : " Account status incorrect '' XXXX  : " Payment history incorrect '' XXXX : " Balance inconsistent '' Payment History Inconsistencies : The reported payment history contains discrepancies, including duplicate or inconsistent entries for charge-offs ( " CO '' ) in XXXX and XXXX. For example : The account is reported as " CO '' in several months when the status update date shows no significant change in the account 's condition or balance. 
There is no clarity on the progression of delinquencies and the timeline leading to the charge-off. 

Status and Balance Discrepancies : The original balance is reported as {$15000.00}, but the written-off amount is {$16000.00}. This inconsistency needs clarification. 
Current Status and Payment Terms : The account status indicates " Closed '' with a {$0.00} balance, yet the delinquency history does not align with the terms of the account. There is a need to confirm whether this was reported accurately following the closure of the account. 
Missing Documentation : I have not been provided with sufficient documentation to verify the accuracy of the reporting. Specifically, I request evidence supporting the charge-off status, including payment records and any relevant account activity. 
Requested Action : I kindly request that XXXX and the credit reporting agency : Conduct a thorough investigation of the reported information. 
Verify the accuracy of all payment history entries and adjust any incorrect information. 
Provide all relevant supporting documentation justifying the current account status, including charge-off validation, balance details, and past-due payment reporting. 
Correct any inaccuracies identified in this dispute process and update my credit report accordingly. 

Payment records. 
Correspondence with XXXX regarding the account status. 
All documents that support the dispute. 
Closing Statement : I value the accuracy of my credit report and trust that XXXX and the credit reporting agency will address this matter promptly. If no verifiable documentation is available, I respectfully request the removal of this account from my credit file.

Company response to consumer: Closed with non-monetary relief