vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Upon reviewing my credit report from, XXXX, XXXX, XXXX, I noticed that Resurgent Receivables LLC has reported an account that does not belong to me. I have never opened an account with Resurgent Receivables LLC, nor have I authorized any activity on the account in question. The account listed under my name appears to belong to another individual, as evidenced by different name, address, email and social security number.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request that any information reported on my credit file be accurate and verifiable. I request that Resurgent Receivables LLC : Verify the account information : Resurgent Receivables LLC must investigate and verify that the account in question is indeed associated with my personal information and that no errors have been made in reporting the account. 
Provide supporting documentation : Resurgent Receivables LLC must provide proof of my authorization for the account or any connection between me and the reported account. 
Remove the account : If Resurgent Receivables LLC can not verify that the account belongs to me, it must promptly remove the account from my credit report as per the FCRA. 
Additionally, under the FCRA ( Section 1681i ), if an account is disputed as inaccurate or incomplete, the credit reporting agency must investigate the dispute within 30 days. If the information can not be verified within this time frame, it must be removed from my credit report.

Legal References : Fair Credit Reporting Act ( FCRA ) Section 609 : Right to request information and dispute inaccurate entries on a credit report.

Fair Credit Reporting Act ( FCRA ) Section 1681i : Obligation of credit reporting agencies and furnishers XXXX XXXXXXXX XXXX ) to investigate and resolve disputes within a specific time frame. 
Fair Credit Billing Act ( FCBA ) : Protections related to unauthorized transactions, which may apply if the account has been opened fraudulently or under my name without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally escalate my unresolved dispute with Bank of America regarding a hotel booking in XXXX XXXX XXXX, made through XXXX 

I booked a hotel in XXXX XXXXXXXX XXXX, and we were forced to cancel our trip due to force majeure circumstances. The State of XXXX XXXX  issued an emergency notice advising against travel to western XXXX XXXX, including XXXX XXXX, following Hurricane XXXX. Local authorities reported significant shortages of essential resources such as water, food, fuel, electricity, and communication services, making travel unsafe and impractical. 

Given these extraordinary conditions, we had no choice but to cancel our plans to travel through XXXX XXXX to XXXX. However, XXXX refused to issue a refund, so I filed a claim with Bank of America. Initially, I was given the wrong fax number to submit my evidence. After waiting for a week with no response, I called Bank of America again and was provided with a new fax number. I then went to a branch where the manager ensured that the claim department received my fax. 

Despite making multiple attempts to resolve this matter with Bank of America, including phone calls to the dispute resolution department on XX/XX/XXXX and XX/XX/XXXX, I was repeatedly transferred between departments with no clear answers. No representative has provided updates on my case, and despite faxing supporting documentation, I have yet to receive any assistance or resolution. 

At this point, I am requesting the CFPBs intervention to review Bank of Americas handling of this dispute, as I believe Bank of America should take action in cases involving exceptional, unavoidable circumstances. 

Please feel free to contact me at XXXX or XXXX should you require any additional information. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Attached is police report and FTC report listing accounts XXXX {$3100.00}, XXXX {$2600.00}, XXXX {$600.00}. These documents support the previous CFPB complaints filed and accounts listed therein, XXXX {$4000.00}

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 2024-11-13 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: OR

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 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: IA

Complaint narrative:
OF FRAUD. INQUIRES BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
EXPERIAN ; XXXX ; XXXX ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

XXXX : XXXX : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CLAIMS OF FRAUD. ACCOUNTS BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
EXPERIAN ; XXXX ; XXXX ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

ACCOUNTS : Account Name Account Number XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS INFORMATION IS TRUE TO BEST OF KNOWLEDGE.

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Security Credit Services, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX XXXX XXXX XXXX SECURITY CREDIT SERVICES Account number XXXX and XXXX Re : Cease and Desist Demand for DEBT BY COLLECTION AGENCY Dear, SECURITY CREDIT SERVICES I am writing to formally demand that you immediately cease and desist from threatening letters and calls that you have been engaging in. This conduct is harmful, unlawful, and has caused a XXXX veteran with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Specifically, you are infringing on intellectual property rights, making false claims, and filing lawsuit papers as a collection agency. 

You are hereby put on notice that your actions violate USC 15 1692G did not provide debt validation claim, my intellectual property rights and must stop immediately. If you do not cease and desist from these activities within, 14 days from the date of this letter, I will have no choice but to pursue all available legal remedies, including but not limited to filing a lawsuit and seeking monetary damages, injunctive relief, and any other appropriate legal actions.

To avoid further legal action, please confirm in writing within 14 days that you have ceased and desisted from the aforementioned conduct and that you will not engage in any such conduct in the future. 

If you have any questions or wish to resolve this matter amicably, please contact me at XXXX or XXXX @ XXXX. 

This letter is written without prejudice to any other legal remedies or actions that may be available to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The company identifies themselves as XXXXXXXX XXXX XXXX  They made claims that I will be served through my county sheriffs office a letter to be taken to court. They have harassed me and my family for a year ( possibly more ). The debt was paid off in a bankruptcy over 10 years ago. It is not listed in my credit report. There are multiple people that have called and left messages. I asked for a letter, preferably certified that can show me any information relating to their accusations. I have received nothing. When asked to identify themselves, they tell me things like Im the one that is free of debt, thats my name, just rude and harassing. I receive text messages on a consistent basis to call them, when I do, I always have the same conversation that ends in them degrading me and my family. I am an XXXX XXXX service member in 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 2024-11-13 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and I request that the following fraudulent inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
XXXX5 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Unauthorized accounts appear on my credit report ; kindly block and remove these suspected fraudulent entries.

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 2024-11-13 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I've been trying to apply for a XXXX XXXX credit card for over a year and was denied for the second time recently so decided to take a look into why, since my credit score is good and have had no issues regarding my credit. When they sent the letter describing the reasons why it only listed " length of credit history ''. This did not make sense since I have had my credit opened for a while now. So decided to call the credit bureaue 's as instructed on the letter and did not receive any substancial information from XXXX or XXXX but when I called XXXX they informed me that they had no information on their end regarding any credit, basically to them it was as if I had not credit at all. I let them know that I have had my AMEX account open and active for quite some time now and that doesnt make sense but they contiously stated that there was no information and to contact AMEX XXXX So then proceeded to call AMEX and they told me that they have been reporting my information to XXXX. I ended up going back and forth with AMEX and XXXX numerous times over the course of a week but not really getting anywhere as one is contradicting the other. I also decided to get my credit reports on my own from XXXX to see for myself what they had, and XXXX XXXX XXXX both had a good amount of information regarding my credit history but XXXX did not have anything at all. So just want to be able to have it so that XXXX has all of my information reported to them like XXXX does because I think that is the reason I keep getting denied credit at other lenders. Which would explain the " length of credit history '' being the sole reason for denial, even though I have had my AMEX account for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OR

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Mortgage company has been charging and excess fee since XX/XX/year> of {$30.00} this year. I have inquired to the company what is the fee for and being applied to, the representative could not inform me via phone. I requested a supervisor, the representative informed me it will take a " really long time. '' I waited on hold XXXX minutes and not one returned to the phone. He put me on hold awaiting escalation department. 
I was finally transferred XXXX, the previous representative a gentlemen never gave his name or ID number. He had not placed notes in the system prior to transferring me. 

He ( XXXX XXXX ) tried to explain the XXXX was an NSF fee from XX/XX/year>. This matter was reconciled as the mortgage company errounesouly charged an NSF fee on a payment in which I paid directly prior to the scheduled draft. 
As I explained the NSF fee is {$41.00} per their statement, I am being charged {$30.00} each month. The representative was not knowledgable of the company 's statement, basic computation skills and exuded the lack of regard to the facts stated and printed. 

Repeatedly requested a supervisor, then asked for the escrow department which is when I spoke to 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 2024-11-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX the credit reporting agency is reporting fraudulent information to my credit file and i am requesting that your company removes these accounts. To this complaint will be a copy of the FTC report with those fraudulent 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 2024-11-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX the credit reporting agency is reporting fraudulent information to my credit file and i am requesting that your company removes these accounts. To this complaint will be a copy of the FTC report with those fraudulent accounts.

Company response to consumer: Closed with explanation