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 is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX L
VNV FUNDING Account number XXXX Dear Sir/Madam, I am writing regarding my previous correspondence dated XXXX XXXX, in which I requested validation of the above-referenced debt. To date, I have not received sufficient information or documentation validating this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

As outlined in my original request, I am disputing this debt until you provide all of the following : Proof that I owe the amount claimed : A full accounting of how the amount has been calculated, including any interest, fees, or charges added to the principal balance.

Verification of the debt : Clear identification of the original creditor and proof that the debt belongs to me.

Copy of the original signed contract : A copy of any contract or agreement that demonstrates my obligation to repay the debt. 
Documentation of your authority to collect : Proof that your agency has legal authorization to collect on this debt. 
If you are unable to provide this information within 30 days, please cease all collection efforts, remove any negative credit reporting associated with this account, and notify all credit reporting agencies of your failure to validate the debt. 

Furthermore, please understand that this letter is not an acknowledgment of liability for this debt, nor should it be interpreted as a renewal of any applicable statute of limitations. 

Please direct all future communications regarding this matter in writing to my address listed above. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear Transunion, Recently after disputing with identity affidavit and you failing to accurately verifying the account you removed this account. Weeks later it shows back up remove this fraudulent account and please stop accounts from reappearing this is messing with my livelihood. XXXX XXXX openedXX/XX/2023 this account isnt mine, its not reporting accurately I have no association with this account remove it. You failed at providing a description of investigation when I asked. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). You are violating my federally consumer protected rights. Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ohio 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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Someone hacked my online banking with Huntington Bank. They used a bill pay service called XXXX to send themselves all of my rent money in XXXX. I have NEVER used this bill pay service or known it was even available on my banking prior to this. I contacted my bank immediately, they said they would have to investigate. 
No one could give me answers, they just sent me LETTERS in the snail mail which I still have not received. Everyone I talked to on the phone said they don't make outbound calls. I have also requested e-mail correspondence as my rent needs to be paid and I can not wait for snail mail to hopefully show up. 
I have received NO email correspondence from them either. 
They stated their " investigation department '' does not see this as fraud because it was sent from my account. We of course it shows sent from my account because the account was hacked! I have no access to the bank account as it is frozen. I have banked with Huntington for over 20 years and the tellers and dispute representatives are treating me like another number on their list. 
This is the worst business process I have ever heard of, or dealt with. 
I have removed all of my funds from this bank including my vehicle loan and they still don't care. 
I can not just let this amount of money go without further research or explanation as to where my money went. 
Also, a representative told me " they can not provide me the information on where the funds went, only where the funds were sent from ''. Are banks not insured for this reason? 
This whole situation has changed my perspective on the banking industry completely and I am now scared to keep money in a bank account for very long.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Request for Purchase Agreement, 1099-C Form, and Original Contract Dear Mindland Credit Management, Thank you for your response regarding the accounts associated with my name. I appreciate your acknowledgment of my inquiries and your commitment to consumer rights. 

In order to proceed with my records and understand the transaction better, I kindly request the following : 1. A copy of the purchase agreement related to the sale of the debts referenced in your letter.

2. A 1099-C form for the charged-off account.

3. A copy of the signed original contract associated with these accounts.

These documents are essential for my records and will help clarify the details of the transfer of ownership from the original creditor to your agency. 

I look forward to your prompt response to these requests. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my credit report with all 3 credit bureaus and noticed inaccurate personal information and addresses. I have requested to all 3 credit bureaus in writing verify through certified mail received request over 60 days ago ( XX/XX/2024)

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing my credit report with all XXXX  credit bureaus and noticed inaccurate personal information and addresses. I have requested to all XXXX  credit bureaus in writing verify through certified mail received request over 60 days ago ( XX/XX/2024 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of america - at XXXX XXXX and XXXX in XXXX XXXX - set me up with a mobile bank account in XX/XX/year>. 
some random clerk with the customer service department closed my online account in less than a week for no legitimate reason. they mailed a check to an address i am no longer living at so i did NOT receive the check. they did not ask for an up-to-date address before mailing the check. i have visited the bank branch several times to ask for a new check to be re-issued and bank of america says i have to wait 60 days before a new check will be sent out why is it 60 days, when obviously i haven't received the check and cashed it?!? 
this situation was handled poorly and carelessly. 
i have no documentation since this was only a " mobile '' account i only wish to be re-issued a check in a week, not to be forced to wait for another XXXX weeks when i have no other income bank of america had no problem taking my money. now they don't want to give it back

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive asked by mail and email for TransUnion to remove multiple things off of my credit report, my credit is all over.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive asked by mail and email for XXXX to remove multiple things off of my credit report, my credit is all over.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company XXXX Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( XXXX, Equifax, and XXXX ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This inquiry was and never has been authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: MD

Complaint narrative:
I originally signed a contract for a revolving personal line of credit with XXXX on XX/XX/XXXX. I used this to pay down my credit card balances and had an APR of 14.90 %. XXXX never reported this credit line or any of the information regarding it to the credit bureaus so it never had a positive or negative impact on my credit score. Up until the account was transferred to Systems and Services Technologies ( SST ), the account was completely up to date on payments. 

After XXXX closed, I received new details about the balance I owed from SST which were completely different from the original financial product I signed up for. On XX/XX/XXXX I called into Systems and Services and requested my original contract from XXXX which confirmed that I signed up for a personal line of credit, not a fixed personal loan. SST sent me details for a fixed rate personal loan at 15.00 % with a fixed term of five years and a monthly payment of {$93.00}. I never signed a contract agreeing to those terms and I never requested for my line of credit to become a personal loan with a five-year term. I'm pretty sure this violates the Truth in Lending Act considering that this is a bait-and-switch. My interest rate is now higher than it was before, even though the federal funds rate has dropped by 0.50 % and my monthly payment is now higher than what I was paying before. I was given no options ahead of this change to choose repayment terms for my remaining balance with XXXX. 

I called in to SST today ( XX/XX/XXXX ) to discuss my concerns and ask if it was possible to file an investigation into the account to correct the issues. When speaking with supervisor XXXX XXXX she refused to file an investigation or complaint after I pointed out the multiple discrepancies. She insisted that the information was correct and could not be changed despite having the information from both contracts available. I spent over 42 minutes pointing out the sections of my original contract versus the information that SST has listed. This is an extremely deceptive lending practice and should not be allowed based on the federal consumer lending laws that are in place. And refusing to file an investigation into incorrect information that could impact my credit and finances is obstructive. 

In addition to the incorrect information they have regarding the account, they have also contacted me twice daily every week day for a total of 10 calls in one week which is in violation of the Fair Debt Collection Practices Act.

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: WA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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