vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: VT

Complaint narrative:
Creditor : XXXX XXXX Inquiry Date : XX/XX/year> Business Type : Auto Financing Company I am a victim of identity theft and I never authorized this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am a victim of identity theft, and I can assure you that this debt is not mine. I request that you immediately reinvestigate this matter and take appropriate actions to delete or correct the disputed information as soon as possible. 

Additionally, I am requesting that you provide verification of this debt. Please send the following information : 1. Proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
2. Documentation showing any contracts or agreements between myself and the debt collector regarding this debt. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible.

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 2024-12-04 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: VT

Complaint narrative:
Creditor : XXXX XXXX Inquiry Date : XX/XX/year> Business Type : Auto Financing Company I am a victim of identity theft and I never authorized this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am a victim of identity theft, and I can assure you that this debt is not mine. I request that you immediately reinvestigate this matter and take appropriate actions to delete or correct the disputed information as soon as possible. 

Additionally, I am requesting that you provide verification of this debt. Please send the following information : 1. Proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
2. Documentation showing any contracts or agreements between myself and the debt collector regarding this debt. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: VT

Complaint narrative:
Creditor : XXXX XXXX  Inquiry Date : XX/XX/year> Business Type : Auto Financing Company I am a victim of identity theft and I never authorized this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am a victim of identity theft, and I can assure you that this debt is not mine. I request that you immediately reinvestigate this matter and take appropriate actions to delete or correct the disputed information as soon as possible. 

Additionally, I am requesting that you provide verification of this debt. Please send the following information : 1. Proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
2. Documentation showing any contracts or agreements between myself and the debt collector regarding this debt. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding late payments on my credit record. After reviewing my records and sending letters over 30 days ago without receiving a response or satisfactory validation, I seek assistance in resolving this matter.

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 2024-12-04 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:
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2024-12-04 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: EQUIFAX, INC.
State: AL

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My XXXX broke and my XXXX XXXX closed his office several weeks for the holiday. I found XXXX XXXX XXXX XXXX ( XXXX ) would work on temporary XXXXXXXX XXXX XXXX XXXX if they couldnt fix. XXXX didnt take my insurance but the website listed XXXX XXXX as pay option and I was approved for {$15000.00}. After sitting in lobby 6 hours, the XXXX finally saw me. He had to replace the XXXX. The receptionist comes in the room & asked how I planned on paying. I had no XXXX at this point and XXXX XXXXXXXX on. She said they only toke CareCredit & that I mustve applied to XXXX through the wrong website ( XXXX is still listed on website today ). The price listed on the wall was {$390.00}. I was approved thru care credit. The receptionist said we would finish financing when I picked up new XXXX the next day after she spoke to CareCredit. She was on vacation for a week when I got there the next day and had charged me over {$5400.00} for stuff I did not get. I have disputed with care credit approximately 7 times since XX/XX/XXXX. Recently they sent a letter telling me I won the dispute. A month has past and there has been no update to my account. I spoke to XXXX 2 days ago and she said she put in a request to cut a check to me for {$930.00} I overpaid. I just went on the app and it still shows outstanding balance of {$690.00}??. They gave me bogus excuses for why my previous disputes were denied. Never sent a letter explaining the outcome until I received this last letter. I saw the RFI you sent Synchrony Bank in XXXX about CareCredit taking advantage of people in vulnerable situations. They answered the RFI saying they are not a XXXX Credit Catd because you can used the card at XXXX. That was XXXX truth tho. You can use at the XXXXXXXX XXXX but not for a tv. That XXXX that overcharged me ASKED me if he could give me a quote on XXXX I had scheduled once my XXXX XXXX because he thought he could beat the price I told him my regular XXXX was charging me. He didnt come close to beating it and then took that quote and submitted to CareCredit as my bill. They never sent a corrected bill and told me a bill does not exist even tho they denied that claim too. And I had to pay for something I never laid eyes on. This has held up my XXXX XXXX for a year now because I need to finance what my insurance wont pay. Please ask CC to send me a refund please.

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 monetary relief
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXXXXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX 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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account XXXX XXXXXXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 
If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
Dear Sir or Madam : I am a victim of identity theft. This information listed XXXX XXXX XXXX XXXX which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A Copy of my Drivers License A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2024-12-04 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-04 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: MN

Complaint narrative:
I had a legal name change on XX/XX/year>. I've taken the steps to get my name updated with the appropriate agencies, to include Social Security Administration, driver 's license, birth certificate, and all of my financial accounts. XXXX and XXXX XXXX have long since update my name on my credit report. Experian however, has not despite being sent the information they requested on more then XXXX occasion.

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 2024-12-04 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: IL

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry XXXX XXXX XXXX XXXX XXXX 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 2024-12-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The bank is kiting over two already completed transactions with the intention to cause two additional overdraft fees when the transactions should have been processed BEFORE a debit card mix up in store overdrew my account. One transaction was processed by XXXX and they already added that amount to my available balance with them XX/XX/year>. Amazon delivered the other transaction XX/XX/year>. This morning XX/XX/year> Chase Bank told me the merchant has not processed the transactions yet and they will post to my account tomorrow. I advised how illegal it is on XXXX XXXXXXXX for banks to falsely charge overdraft fees by carrying over completed transactions to a later date to facilitate fees. They did not listen.

Company response to consumer: Closed with non-monetary relief