vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-28 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: MS

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 2024-12-28 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: MS

Complaint narrative:
My identity has been compromised and I have not received any information regarding what is going on with my identity, I have addresses and unknown phone numbers in my name that I never had. I also have some discrepencies as well in my credit report. I started this investigatin on XXXX and have not received any information regarding my identity being used. Therefore, their are things on my credit report that may not be mine.

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 2024-12-28 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: MS

Complaint narrative:
My identity has been compromised and I have not received any information regarding what is going on with my identity, I have addresses and unknown phone numbers in my name that I never had. I also have some discrepencies as well in my credit report. I started this investigatin on XXXX and have not received any information regarding my identity being used. Therefore, their are things on my credit report that may not be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: DE

Complaint narrative:
I am writing to formally lodge a complaint against Zion Debt Holdings regarding their debt collection practices. I have encountered several issues that I believe violate my rights as a consumer. 

1. **Lack of Proof of Debt** : Despite my requests, Zion Debt Holdings has failed to provide any documentation proving that I owe a debt to their company. I have asked for verification of the debt, including details about the original creditor and the amount owed, but they have not responded adequately. 

2. **Authority to Collect in Delaware** : Additionally, Zion Debt Holdings has not provided any evidence that they are authorized to collect debts in Delaware. This raises serious concerns about the legitimacy of their claims and their ability to pursue collection actions against me. 

3. **Illegal Reporting to Credit Bureaus** : I have also discovered that Zion Debt Holdings is furnishing a record of this alleged debt to credit bureaus without proper validation. This has negatively impacted my credit report and score, which I believe is unjust and unlawful. 

Given these issues, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Zion Debt Holdings ' practices and take appropriate action. I seek confirmation that they provide the necessary proof of both the debt and their authority to collect it in Delaware. Additionally, I request that they cease all reporting of this alleged debt to credit bureaus until these matters are resolved. 

Thank you for your attention

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Communication Regarding Alleged Debt for XXXX, Account Number : XXXX To Whom It May Concern, This letter is to formally notify you, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I am requesting you cease all communication with me regarding the above-referenced alleged debt.

I dispute the validity of this debt and request no further contact unless it is to provide : 1. Verification of the alleged debt as required under 15 U.S.C. 1692g ( b ) ; or 2. Notice of specific legal actions you intend to take, as permitted by law.

Any further attempts to contact me, including but not limited to phone calls, emails, or letters, will be considered a violation of the FDCPA, and I reserve the right to report such violations to the Consumer Financial Protection Bureau ( CFPB ) or take appropriate legal action. 

Please update your records to reflect this request immediately. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have false credit card information on credit report with debt that doesnt belong to me. My information was exposed in a data breach. I am also a victim of identity theft so as per code 15 U.S.C 1681 I would like these items disputed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that appear to have been added without my authorization. I request their immediate removal as they 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Subject : Dispute of Collection Account Added to Credit Report Dear Credit Reporting Agency/Collection Agency , I am writing to formally dispute the addition of a new collection account to my credit report. The account in question was added between XX/XX/year>, and XX/XX/year>, under the collection agency TRANSWORLD SYSTEMS, with the original creditor listed as XXXX XXXX. 

This account should not be reported as a collection for the following reasons : Lack of Notification : I never received any collections notice from TRANSWORLD SYSTEMS, as required by law, to provide me the opportunity to verify or dispute the debt. 
Settlement with Original Creditor : A settlement was made directly with the original creditor, XXXX XXXX, due to an error on their end. This resolution was agreed upon, and I have fulfilled my obligations to them. 
I request that you : Immediately remove this collection account from my credit report, as it is inaccurate and improperly reported. 
Provide me with written confirmation once the account has been removed. 

Please review this matter and respond within the timeframes specified under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- {$3100.00}

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 2024-12-28 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX 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 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX. I thought I was making a legitimate purchase for a Siberian kitten. The website XXXX XXXX XXXX Seemed legit, they sent me a contract, had me sign it. And everything was a scam. I found out from XXXX  reviews they have scammed others. They provided me a fake tracking number for the kitten to be transported from out of state. I was instructed by the merchant to use PayPal and to send it by family and friends. PayPal refuses to refund my {$870.00}, my bank XXXX  XXXX who I disputed already 3 times wont refund my money and I sent every bit of proof that this was a scam. And they refuse to give me my money back And even if I did use PayPal to make the payment. The payment in my opinion should have been flagged because it was such a large amount to be spent. So no fraud protection was present. My rights as a consumer I feel have been violated. And I will be leaving XXXX  XXXX XXXX  if I do not get this resolved immediately All PayPal said they will do is keep reaching out to the person but do you really think a scammer is going to answer? Absolutely not. So thats worthless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

Account name : XXXX  Account # XXXX  The date of the late payments - XXXX and XX/XX/year>XXXX  Account name : XXXX  XXXX Account # XXXX - Dates of late payments- XXXX, XXXX and XX/XX/year> I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as 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 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Progrexion Holdings, Inc.
State: CT

Complaint narrative:
Didnt fox credit as promised and credit monitoring lead to my info being silent

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm concerened about the fact that my XXXX score is XXXX and my transunion is XXXX and my XXXX XXXX I understand there will be some differences but those seem a bit drastic to me. I reached out to them with no results

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 2024-12-28 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: MA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Bridge IT, Inc.
State: PA

Complaint narrative:
years ago i got an advance from this company. at that time i used an old email address XXXX. my identity was stolen, so i started using XXXX  instead. i get a lot emials about old accounts that people are trying to address to this email, so it helps me keep on top of when someone is trying to open or get into an account. Recently i had been getting a lot of email from Brigit  offering me an advance. The account was inadvertantly reopened and my bank account linked. i have been trying to tell them it was not me and asked them to close it. they refuse, saying they will close it when i repay money from an old advance. since my personal information is in here, i feel i have the righ to have this account closed. they want to keep it open so they can go in anytime and try to get money form my account. From Brigit : n Friday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX wrote : When I have the means I will but you can't force me to keep an account open that was reopened in fraud And expose me to more identity theft so I will just file a complaint with the FTC Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, Brigit XXXX wrote : XXXX XXXX - Please type your reply above this line - XXXX XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

XXXX ( Brigit ) XX/XX/XXXX, XXXX EST Hi XXXX, The XXXX XXXX Brigit account was created 7 years ago. A {$210.00} advance was requested on this manually verified Brigit account that was never repaid. 

You will need to repay this outstanding advance in order to delete the account. Please use this link to repay your {$210.00} XX/XX/XXXX advance : XXXX XXXX XXXX XXXX Best, XXXX XXXX XXXX XX/XX/XXXX, XXXX EST I don't even use XXXX mail I switched to XXXX many years ago, but I keep getting thugs happening and they are connected to this email someone else has access it's too late but XXXX won't let me shut it down. Apparently I have been getting emails to sign up for Brigit to this old XXXX email but the messages are coming to my XXXX email Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX wrote : Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, Brigit XXXX wrote : XXXX XXXX XX/XX/XXXX, XXXX EST Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, Brigit XXXX wrote : XXXX ( Brigit ) XX/XX/XXXX, XXXX EST Hi XXXX, Thank you for contacting Brigit. 

We've received your email but are unable to determine how we can help you. Can you please provide some more information regarding your question so we can help out? 

Best, XXXX This email is a service from Brigit. Delivered by XXXX [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$140.00}

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