vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: MA

Complaint narrative:
Hi Manager, CFPB Representative, Please see the attached documents regarding ongoing issues with inaccuracies on my credit reports. Over the past XXXX  months, I have repeatedly attempted to address these errors with XXXX, TransUnion, and XXXX, but all three credit reporting agencies have failed to comply with their obligations under federal law to thoroughly investigate and correct the reported information. 

The following are the key issues Ive identified : Re-aging of Accounts : These agencies have repeatedly updated the " Date of Last Activity '' ( DLA ) on several accounts, causing them to appear as recently active. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA, 1681s-2 ( a ) ( 2 ) ), which prohibits the illegal re-aging of accounts to extend the reporting period beyond the legally allowed timeframe. 
Inconsistent Payment History : I have discovered discrepancies in payment statuses and histories across the credit bureaus, with some accounts reflecting late payments or past-due statuses even after being marked as collections or charge-offs. According to FCRA 1681e ( b ), credit reporting agencies must maintain accurate and complete information in credit reports, which has not been done here. 
Invalid and Questionable Balances : Certain balances on my accounts appear inflated or inconsistent across the bureaus, indicating a failure to verify these balances properly. This violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates credit bureaus to conduct a reasonable reinvestigation of disputed information.

Reporting on Transferred or Sold Accounts : If a charged-off account has been sold or transferred to another party, it can not continue to report as late or past due by the original creditor. This violates FCRA 1681s-2 ( a ) ( 5 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692e ( 8 ) ), which prohibits furnishing false or misleading information. 
Summary of Violations These errors constitute severe breaches of my rights as a consumer under the FCRA and FDCPA, including but not limited to : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation 1681s-2 ( a ) ( 2 ) : Re-aging of accounts 1681s-2 ( a ) ( 5 ) : Improper reporting on sold or transferred accounts 15 U.S. Code 1692e ( 8 ) : False reporting of account status

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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I was notified via usps mail that i was in a data breach and that all my personal information was exposed. This information included my name social address bank and credit card information. I am formally disputing this account as fraudulent as i do not recognize this and these charges are unauthorized by me.I have already submitted an identity theft report on my behalf. The account in question is credit collections. If this account can not be veridfied with the origial contract, original creditor, and wet signiture from me i request that it be deleted off my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subj : Dispute of Fraudulent Charges Ref : Citi Credit Card XXXX Dear Fraud Dept.

I have been trying to report to your customer service at telephone XXXX fraudulent charges on my XXXX  Card. My attempts to do so have been unsuccessful because they say " my identity can not be verified '' because I do not have an additional phone number than the one I am speaking with them on, they can not send me a verification code by text message, or are not allowed to use email. They have offered in XXXX instances to send me a letter containing a " reference number '' but both times the letter contained no number. 
Therefore I take this opportunity to write to you, as allowed by your customer service web page, with the following information on the subject fraudulent charges ( XXXX ) : XXXX. XX/XX/XXXX XXXX XXXX XXXX {$46.00} XXXX. XX/XX/XXXX XXXX {$490.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX {$230.00} If you need additional information please contact me using secret code number XXXX. Time is of the essence as the next statement date is XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( voice or text message ) 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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
DEAR XXXX ; CFPB ; SEE ATTACHMENTS. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2024-11-24 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: AZ

Complaint narrative:
15 Usc 1962 ( c ) Communication in connection with collection of a debit ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

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 2024-11-24 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: AZ

Complaint narrative:
15 Usc 1962 ( c ) Communication in connection with collection of a debit ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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.
State: AZ

Complaint narrative:
15 Usc 1962 ( c ) Communication in connection with collection of a debit ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

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 2024-11-24 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: OH

Complaint narrative:
I am writing to bring to your attention an issue regarding the reporting of late payments on my credit report by the credit bureaus for an account that was discharged in bankruptcy. 

XXXX Account # XXXX According to the Fair Credit Reporting Act ( FCRA ), any debts discharged in bankruptcy should not be reported as late or delinquent. It is my understanding that once an account is discharged, all negative reporting related to that account should cease. However, despite this, I have seen multiple entries indicating late payments, which is adversely affecting my credit score and financial standing.

I have attempted to resolve this issue directly with the credit bureau in question by disputing the inaccurate information. However, my disputes have not yielded any positive results, and the erroneous late payment entries remain on my credit report. This situation is causing me undue stress and hindering my ability to regain my financial stability post-bankruptcy. 

I kindly request that the CFPB investigate this matter and provide guidance on how to rectify these inaccuracies. It is crucial for consumers like myself to have accurate credit reporting, especially after going through the challenging process of bankruptcy. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I am a victim of identity theft. And this is my official notice about the crime. Debt transactions were created in my name without my knowledge or consent. I do not know any information about the suspect. All I know is that these fraudulent transactions were allowed to be reported by Trans Union, XXXX, and XXXX, which leads to several violations under the FCRA. Including but not limited to compliance procedures, written consent from me, and a " reasonable '' investigation of information before being reported. I am seeking justice to have the fraudulent account information permanently blocked, removed, and deleted from my credit report and file. Please see attached notice.

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 2024-11-24 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:
I disputed this information appearing on my credit report : Reference number : XXXX, Experian responded that it had been verified by the court. However, after contacting the court directly, I was informed that they do not have jurisdiction over credit reporting agencies and do not provide such verifications. This suggests that XXXX claim is either incorrect or false. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes thoroughly and ensure that the information reported is accurate and verifiable. Since this information has not been properly verified, I request that it be removed 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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: SC

Complaint narrative:
On XX/XX/year> I used the XXXX XXXX XXXX XXXX service to send a {$60.00} check to First Progress Remittance. I have always paid my credit card this way because they only just recently started accepting digital payments. I used the same address that was used for every payment in the past. It is now XX/XX/year> and my payment has not been applied to the account. 
I called the credit card company and at first was told that the address I used was incorrect. I asked how that was possible since this address has worked for years of previous payments? The representative could not clearly answer my question and told me to wait another day to see if the payment would be applied. I waited and still the payment was not applied. 
I called my bank, XXXX XXXX, and they confirmed that the check was mailed and that it was cashed. My previous payment of {$50.00} was sent on XX/XX/year>. It was mailed the same way and the payment was applied in two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc.
State: AZ

Complaint narrative:
15 USC 1692 ( c ) Communication with collection of adebit ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Dear LVNV FUNDING LLC XXXX XXXX XXXX XXXX ; See attachment ... ... I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 2024-11-24 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I bought a XXXX XXXX XXXXXXXX XXXX for home internet with monthly service the XXXX XXXX store in XXXX XXXX. It came with a 14 day trail period where I could return the XXXX to a store, cancel my service and pay nothing. 

On XX/XX/XXXX I returned the XXXX to the store in XXXX XXXX  and cancelled my service. 

I canceled my service and returned the XXXX, and I have emails confirming both. Not long after that, I got a bill from XXXX for around {$40.00}. I called XXXX XXXX and they told me it was a mistake and that it would take one billing cycle for their system to fix it. So, I threw that bill away. 

Then, more bills started coming, but I figured it was just taking them longer to sort out their system. Then, on XX/XX/XXXX I got a notice from a collection agency. 

On XX/XX/XXXX at XXXX p.m., I called XXXX and spoke to XXXX. She told me the charge would be removed in five to seven business days. 
On XX/XX/XXXX at XXXX p.m.I called the collection agency, they told me the charge was still there. 

I was transferred to XXXX spoke to a supervisor named XXXX. She said they couldnt access my account without a password reset and since my account was not active they could not send me a link to reset the password. 

So I am stuck with this fraudulent charge.

Company response to consumer: Closed with non-monetary relief