vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$1100.00} with LVNV FUNDING LLC I did not sign a contract with LVNV FUNDING LLC and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : LVNV FUNDING LLC Date of entry : XX/XX/year> Reason for Dispute : XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( XXXX ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. LVNV FUNDING LLC has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A ). LVNV FUNDING LLC is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section XXXX of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  ) ( Account XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy : 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-11-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received a letter from card member services informing me of some important changes to my credit card that I have had since XXXX. The letter stated that my interest rate will change effective XX/XX/XXXX from ( 17.74 % to 22.99 % ). I have a problem with change because I work in the banking industry and whenever the feds lowered the prime rate my financial institution always comply. I need this investigated because it is a form of predatory lending, I can see if my credit score was low but I am over XXXX and earn over $ XXXX annually, I'm a new homeowner who monitors her credit. I reached out to card member service on XX/XX/XXXX, to discuss this matter and spoke with a supervisor she instructed me to write a dispute letter which I sent on XX/XX/XXXX, by fax. What amazes me about this is when the prime rate was going up they complied with everything but now that the prime rate has decreased they want the consumers to pay more because they aren't making money off of us. This is deceptive and they need to be fined.

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 2024-11-29 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2024-11-29 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: GA

Complaint narrative:
Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) ( Account XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy : 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
In the past 45 days, the BRIDGECREST loan servicing bank has been paid XXXX payments, and there is a XXXX month skip pay agreement added for XXXX. This would make XXXX payments to the bank, and the balance owed has not changed. The only amount applied to the current balance is a {$300.00} payment made this month, and the loan services is continuing to ask for another full payment by months end. The past due balance was {$710.00} when the agreement was signed, which is less than XXXX full payment or XXXX months skip pay which would be {$450.00} plus {$450.00}. There should currently be a credit balance on the account after applying the {$300.00}, not an additional {$560.00} due. And they can never find where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I have an auto loan with Bridgecrest. I have paid off the loan and bridgecrest keeps inflating the principal balance. XXXX of XXXX I only owed {$1700.00}. Ive made several payments since then to have paid the loan off time and time again. Now theyre reporting me late and {$1900.00} due. I have XXXX  in my car and I really think theyre trying to do that to take my car. I have paid my car on time for 5 years and theyre reporting me late purposely. I need your help. I am trying to purchase a home and its not fair that I cant because theyre faulty reporting is affecting my private credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXXXXXX Balance {$4300.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}

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 non-monetary relief
Consumer complaint received 2024-11-29 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX. Personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$850.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-29 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the account listed below that has been reported on my credit file by XXXX XXXX XXXX. I have no record of authorizing this company to place a collection account on my credit file, nor am I aware of the original creditor associated with this debt. I request that this account be immediately deleted from my credit report due to the following violations of consumer protection laws. 

Account Information : Account Name : XXXX XXXX XXXX  Original Creditor : ( Not listed on my credit report ) Account Number : Not listed on credit report Open Date : XX/XX/year> Balance : {$960.00} Status : Open Collection Account Remarks : Placed for collection Key Issues : Unknown Debt Ownership : I do not know who the original creditor is for this debt. The credit report does not provide the name of the original creditor or any identifying information to help me confirm whether this debt is valid or if it belongs to me. The report only shows XXXX XXXX XXXX as the collector, with no information about the original creditor. I am entitled to receive a clear, valid, and detailed description of the debt, and XXXX XXXX XXXX has failed to provide this information. 
Failure to Provide Authorization : I have never given authorization to XXXX XXXX XXXX or any other party to report this debt to the credit bureaus. This collection account has been placed on my credit report without my consent, and I have not received any communication or documentation supporting this collection activity. 
Failure to Validate Debt ( FDCPA Section 809 ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation request, but I have not received any proof that this debt is mine or that it is being collected by a legal entity. This lack of validation, along with no information on the original creditor, is a violation of my rights.

Fair Credit Reporting Act ( FCRA ) Violations : Section 609 : I am entitled to request and receive documentation proving the validity of this debt. XXXX XXXX XXXX has not provided this validation, nor have they listed the original creditor, which makes the debt unverifiable and inaccurate on my credit file. 
Section 623 : As a furnisher of information, XXXX XXXX XXXX is required to report accurate and complete information. The failure to report the original creditor and failure to verify the debt makes the reported information inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the account listed below that has been reported on my credit file by XXXX XXXX XXXX. I have no record of authorizing this company to place a collection account on my credit file, nor am I aware of the original creditor associated with this debt. I request that this account be immediately deleted from my credit report due to the following violations of consumer protection laws. 

Account Information : Account Name : XXXX XXXX XXXX  Original Creditor : ( Not listed on my credit report ) Account Number : Not listed on credit report Open Date : XX/XX/year> Balance : {$960.00} Status : Open Collection Account Remarks : Placed for collection Key Issues : Unknown Debt Ownership : I do not know who the original creditor is for this debt. The credit report does not provide the name of the original creditor or any identifying information to help me confirm whether this debt is valid or if it belongs to me. The report only shows XXXX XXXX XXXX as the collector, with no information about the original creditor. I am entitled to receive a clear, valid, and detailed description of the debt, and XXXX XXXX XXXX has failed to provide this information. 
Failure to Provide Authorization : I have never given authorization to XXXX XXXX XXXX or any other party to report this debt to the credit bureaus. This collection account has been placed on my credit report without my consent, and I have not received any communication or documentation supporting this collection activity. 
Failure to Validate Debt ( FDCPA Section 809 ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation request, but I have not received any proof that this debt is mine or that it is being collected by a legal entity. This lack of validation, along with no information on the original creditor, is a violation of my rights.

Fair Credit Reporting Act ( FCRA ) Violations : Section 609 : I am entitled to request and receive documentation proving the validity of this debt. XXXX XXXX XXXX has not provided this validation, nor have they listed the original creditor, which makes the debt unverifiable and inaccurate on my credit file. 
Section 623 : As a furnisher of information, XXXX XXXX XXXX is required to report accurate and complete information. The failure to report the original creditor and failure to verify the debt makes the reported information inaccurate and incomplete.

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