vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
Hi, firstly there are XXXX separate issues but they are related. The second issue wasn't an option on the form. 

The first issue : I received a notice from Resurgent Capital Services in which it states LVNV Funding is the current owner of the debt, dated XX/XX/year>. It stated that I owed a debt that originated with XXXX XXXX  and that I had 30 days to dispute that notice or they would take further action. 

I disputed the debt on XX/XX/year>. I did not realize it, but they had already reported the debt to the credit bureaus on XX/XX/XXXX. Before they even sent the notice to me supposedly offering me an opportunity to dispute the debt. 

The second issue : The amount they claimed that I owe was XXXX. Same as with XXXX  XXXX, I told them that did not make sense because the amounts went up dramatically without any explanation why. 

XXXX XXXX  had previously closed the account even though I had not missed any payments. I explained to them that when they closed the account, I was not able to make payments because it was not letting me into the account. And then explain to them that when they kept claiming that I owed more and more, I was not able to see any kind of explanation on why I was owing more. Unfortunately they did not care. 

I explained all of this to the new debt collector and requested that I receive proper validation of the debt including an itemized statement of the amount claimed to be owed, including all interest fees and charges as well as a complete and accurate payment history. 

I had to respond to the new creditor twice, three if you include the original dispute, because each time they responded they sent something else that did not fulfill that obligation nor did it even amount to the total they claimed I owed. 

The only amount that came to that total was XXXX XXXX saying that was a charge off amount. But the other documents they sent did not amount to that. It did not show how the amount actually was what they were claiming. 

So it is those XXXX issues. I believe I have a right to fair and open disclosure on how a debt is owed, and how it is the correct amount. But instead of respecting that, they sent the same documents that did not meet that criteria. Along with a letter saying that my claim of it being the wrong amount was insufficient. Despite their own documents that partially showed itemized statements still did not amount to that. 

Because they have done this, including reporting to the credit bureau before they even sent me notice, I would appreciate if someone would take action regarding this. 

I do have additional documents, and will be attaching the paper document responses they have sent me. I also have video recording of my dispute submissions. I will have to locate the original notice I was sent but I do have it somewhere.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-10-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
I have received a notice from collection agency ( Bounce AI , Inc ) that I owe money for purchases done in XXXX and XXXX. Original creditor was XXXX XXXX. I have never made any purchases with installment agreement for any purchases for XXXX. I never opened any debit cards under my name. I have never received prior correspondence with regards to outstanding balance. 
I strongly fill that my personal information was compromised, I have contact Police Department and made report. I strongly fill that I am not responsible for any outstanding balance.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$0.00}

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$0.00}

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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number ( XXXX ) XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX  account # XXXX. XXXX. XXXX XXXX # XXXX. XXXX XXXX account # XXXX XXXX. DPT EDXXXX account number XXXX. XXXX DPT EDXXXX ( XXXX ) XXXX. DPT EDXXXX ( XXXX ). XXXX. DPT ED/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 2024-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : UPSTART NETWORK INC. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/year>, I received a threaten letter from Resurgent Capital Services, L.P. about a debt collection for the amount of {$4400.00}. I responded back with a Cease and Desist Notice and Debt Validation letter explaining I do not have an account or debt with Resurgent Capital Services , L.P . According to FCRA section 605B it is illegal to report anything on my credit report without my permission. In addition, According to 15 USC1692c you have violated my rights by unlawful communications. Please remove this collection off my credit report. Thank you

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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was disputing US 15 1666. I asked for documents stating that XXXX XXXX mailed the due dates to me 21 days before each due date of XXXX XXXX and XXXX. I was not disputing that I didn't pay the bill on time or didn't pay. I'm disputing that XXXX XXXX violated US 15 1666 by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask you to re investigate this and if not updated on TransUnion, XXXX and XXXX to paid on time months of XXXX XXXX and XXXX I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was disputing US 15 1666. I asked for documents stating that XXXX XXXX mailed the due dates to me 21 days before each due date of XXXX XXXX and XXXX. I was not disputing that I didn't pay the bill on time or didn't pay. I'm disputing that XXXX XXXX violated US 15 1666 by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask you to re investigate this and if not updated on XXXX, Equifax and XXXX to paid on time months of XXXX XXXX and XXXX I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX XXXX and XXXX.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was disputing US 15 1666. I asked for documents stating that XXXX XXXX mailed the due dates to me 21 days before each due date of XXXX XXXX and XXXX. I was not disputing that I didn't pay the bill on time or didn't pay. I'm disputing that XXXX XXXX violated US 15 1666 by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask you to re investigate this and if not updated on XXXX, XXXX and Experian to paid on time months of XXXX XXXX and XXXX I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX  text me & mailed me several times claiming I owe them {$30.00} for a copay from my sons visit on XX/XX/XXXX. I called & mailed them documentation proving I paid the {$30.00} copay in the clinic on XX/XX/XXXX using my credit card. Despite this, they turned the debt over to a collection agency- TSI ( Transworld Systems Inc ). They mailed me a debt collection statement XX/XX/XXXX, to which I mailed them to their correspondence mail address on XX/XX/XXXX a copy of my {$30.00} co pay receipt & a request that the harassment stop. Despite this, they again mailed me a debt collection statement again XX/XX/XXXX. Despite providing documentation that proves I paid this {$30.00} copay back on XX/XX/XXXX, I continue to be harassed.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXXXXXX Chapter 7 Bankruptcy Reference # XXXX XXXX  Chapter 7 Bankruptcy Reference # XXXX XXXX Bankruptcy Court Chapter 7 Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} UPGRADE XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXXXXXX XXXX XXXX XXXXXXXX Chapter 7 Bankruptcy Reference # XXXX XXXX Chapter 7 Bankruptcy Reference # XXXX XXXX Bankruptcy Court Chapter 7 Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} UPGRADE XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged a foreign transaction fee of {$14.00} on XX/XX/year> even though it was never disclosed that I would be required to pay a foreign transaction fee. Ive never paid a foreign transaction fee on a credit card transaction. Chase refuses to waive the fee.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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