vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, LVNV Funding/Resurgent Capital services received a debt validation letter from myself. LVNV Funding/Resurgent did not validate the debt that LVNV Funding allegedly claim l owe. As a result of that failure, Resurgent also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/XXXX. 
Under the provisions of the Fair Credit Reporting Act 611 ( a ) | 15 USC 1681i ( a ) l, disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding/Resurgent have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 / ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding or Resurgent Capital does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding or Resurgent legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer.

Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. 

Now, I am being harassed by another debt collector by the name of XXXX XXXX XXXX who contacted me by mail in XX/XX/XXXX for this same alleged debt. Who owns this alleged debt when no company has provided the ORIGINAL PURCHASE AGREEMENT? No company has provided this information, therefore the reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive identified errors on my credit report involving 15 USC 1681c-2, where hard inquiries were made without my permission. Please remove all unauthorized inquiries. Thanks!

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 2024-10-22 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: GA

Complaint narrative:
This report serves as a formal complaint that XXXX XXXXXXXX XXXX is knowing and willingly reporting inaccurate and incomplete information on my consumer report. Pursuant 15 USC 1681a : Definitions ; rules of construction ( 2 ) Exclusions -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to15 USC 1666b : Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The notation of the reported late payments is inaccurate. This company did not do a full investigation on the matter and sent me incriminating evidence that further proves that said bank have violated my consumer rights and broken several federal laws. I requested to see all transactions and statements from XXXX XXXXXXXX XXXX  and they provided me with false and inaccurate information that is being reported differently within the credit bureaus. The information that was provided to me is not what is being reported. The bank did not verify these items and report them with accuracy. XXXX is being reported as not more than two payments as late. XXXX is reporting 60 days late for XXXX XXXX 90 days late for XX/XX/2021, and 90 days late for XX/XX/2021. When in fact, if I did allegedly make a late payment, I could not have been 60 days late, when the reported delinquent date started in XX/XX/2021. That is inaccurate. Transunion is reporting as 30 days late in XXXX, 60 days late in XXXX, and 60 days late in XXXX, if I did allegedly pay late, it should have been reported as 90 days late. I have uploaded proof of the inaccuracies. XXXX XXXX XXXX sent a letter stating that the account is 80 days due, and that is not what is being reported on my consumer report. The statement that the company sent me in the mail specifically states that I have XXXX late payments being reported and I also uploaded proof of said statement. Also I never received a 1099C form so that I may file the proper documents with the IRS. I have also contacted the Internal Revenu Service in reference to this account. This bank is now subject to civil because they fail to comply with federal laws.

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 2024-10-22 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: GA

Complaint narrative:
This report serves as a formal complaint that XXXX XXXX XXXX is knowing and willingly reporting inaccurate and incomplete information on my consumer report. Pursuant 15 USC 1681a : Definitions ; rules of construction ( 2 ) Exclusions -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to15 USC 1666b : Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The notation of the reported late payments is inaccurate. This company did not do a full investigation on the matter and sent me incriminating evidence that further proves that said bank have violated my consumer rights and broken several federal laws. I requested to see all transactions and statements from XXXX XXXX XXXX  and they provided me with false and inaccurate information that is being reported differently within the credit bureaus. The information that was provided to me is not what is being reported. The bank did not verify these items and report them with accuracy. Experian is being reported as not more than XXXX payments as late. XXXX is reporting 60 days late for XXXX XXXX, 90 days late for XX/XX/2021, and 90 days late for XX/XX/2021. When in fact, if I did allegedly make a late payment, I could not have been 60 days late, when the reported delinquent date started in XX/XX/2021. That is inaccurate. XXXX is reporting as 30 days late in XXXX, 60 days late in XXXX, and XXXX days late in XXXX, if I did allegedly pay late, it should have been reported as 90 days late. I have uploaded proof of the inaccuracies. XXXX XXXX XXXX sent a letter stating that the account is 80 days due, and that is not what is being reported on my consumer report. The statement that the company sent me in the mail specifically states that I have XXXX late payments being reported and I also uploaded proof of said statement. Also I never received a 1099C form so that I may file the proper documents with the IRS. I have also contacted the Internal Revenu Service in reference to this account. This bank is now subject to civil because they fail to comply with federal laws.

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 2024-10-22 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: MS

Complaint narrative:
I had a debt i owed to World Finance Corporation, they sold the debt to XXXX XXXX XXXX, I paid off the debt and as agreed Spring Oaks took it off my credit, and if not mistaken I had an agreement as well with World Finance Corporation. Each time i try to call and explain the situation they put me on hold for several minutes and i always hang up. I paid my debt, they need to get it off my credit so i can buy a house. Instead, they are being petty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: EQUIFAX, INC.
State: TN

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND

Complaint narrative:
USAA bank refuses to cancel my account. They will not talk to me. They have locked the account and submit bills to the account for payment. I do not want to pay for insurance I do not want nor need. They charge me for the phony bills. USAA insurance will not talk to me and will not cancel my insurance. What I want is for USAA to cancel my insurance and cancel my USAA creditcard.

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 2024-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
My loan was transferred to Fay Servicing in the middle of XXXX from XXXX. During this transfer, XXXX informed me that they were unable to take my payment because my loan was being transferred and I should be getting information from the new servicer. XXXX provided me with a number to call the new servicer. I reached out to the new servicer and they did not have me in the system yet to give me information and told me I should be receiving information soon. Several days past until I was able to get a new account number and instructions for online account setup. I was also told that I should have a welcome packet with the details of my loan. I did not receive the documentation. 



While still waiting for the welcome packet documentation, I set up my online account, and I attempted payment but was directed to Fay Servicing XXXX number. I called and left a message based off of their recording and automated prompts. Once I was able to get in contact with a representative, I was informed my loan is now in default and I can not make payments unless I pay additional interest. I was told I have to pay approximately {$5000.00} in addition to my regular XXXX and XXXX payments. 

After speaking with a supervisor, I was told to email the customer service team for additional assistance. I was again directed to call the XXXX XXXX number. Once I was connected, I was told the same information that they can not accept any payments from me unless I pay {$5000.00} along with my {$910.00} payment for XXXX and {$910.00} payment for XXXX. 
Before my loan was transferred to Fay servicing in XXXX, I was not in default. I would like to make my payments for my loan without this undue hardship due to the transfer process from my previous servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-10-22 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: FL

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 2024-10-22 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: GA

Complaint narrative:
Ive been a victim of identity theft after reviewing my credit report. I noticed accounts that were put in my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: WA

Complaint narrative:
They are allowing XXXX XXXX to report late payments monthly on a debt I do not owe them. I have never done business with them nor agreed to payments. This is also unlawfully extending statute of limitations on original debt that was never verified or validated. 

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
After carefully reviewing my credit report I noticed accounts that were put in my name without my authorization. These accounts are fraudulent

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