vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
This letter serves as a formal and urgent demand for the removal of an auto charge off/repo account appearing on my credit report under account number XXXX, as it is in violation of federal law and lacks sufficient proof of verification. Despite multiple requests for evidence, your failure to provide adequate documentation demonstrating the methods taken to verify the legitimacy of this account constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), the credit reporting agency is obligated to conduct a reasonable investigation upon being notified of a dispute. This includes providing documentation that verifies the accuracy of the reported information.

Your failure to comply with this law, by failing to supply proper documentation within the prescribed timeline, is a serious infraction. As such, the continued reporting of this account is unwarranted and harmful to my financial standing The absence of such documentation confirms that this auto charge off/repo account is unverifiable, inaccurate, and in violation of my rights. Therefore, I demand immediate removal of this entry from my credit report. Failure to comply within 15 days from the receipt of this letter will result in further action, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings. 
To expedite the resolution of this matter, please respond in writing confirming the removal of the erroneous entry from my credit report. 
I expect prompt action regarding this demand and look forward to your timely confirmation please and thank you.

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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Hi, I have XXXX XXXX XXXX XXXX issued by Barclays bank. I tried booking flight tickets through XXXX website today at XX/XX/year> at around XXXX for USD XXXX. 
My transaction was declined XXXX times. I called Barclays to solve this issue as thats the issuer bank and their customer service number is provided on the back of the card. 

The customer service rep told me that everything looks on their end and I should contact merchant, which is XXXX in this case, and mastercard. I contacted merchant and they told me its your card issuer bank, which is Barclays, who you need to contact. I tried mastercard but i reached a deadend as they are not recognizing my card number and asking to contact card issue bank. I am in a loop now without any help. I have attached XXXX chat, barclays call happened over a recorded line. 

As an card issuer bank isnt this Barclays responsibility to fix this? Even if the issue is with mastercard why should I contact mastercard? No other bank which includes XXXX, XXXX, XXXX  has asked to contact the network directly. 

This is the second time I am filing a complaint with this card. It sounds like a complete incompetence on this card and I am sorry to say but a fraud ring going on where they charge me XXXX as a card fee to provide bad service and not fulfilling the promises that were advertised to 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 non-monetary relief
Consumer complaint received 2024-11-02 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: IN

Complaint narrative:
I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX  XXXX Alleged Late Payment Date ( s ) : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX Alleged Late Payment Date ( s ) : XX/XX/year>, XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1666b ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1666b. 

In accordance to the fair credit act this creditor has validated my rights under 15 USC 1666b. It states the consumer reporting agency can not furnish any account without my written consent. A creditor may not treat a payment 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. 



. Please remove and delete the above accounts in this statement.

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 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I went to purchase a XXXX two years ago and applied for this card, The APR was not what they told me it would be so we paid cash and told them int he store to close the card. They said it was closed. Months later we find out we were charged for the merchandise anyway. We then went through a lengthy dispute process and asked them then to close the account, they agreed. A year later we get charged a late fee on a annual fee charge on a card we closed. Again a long lengthy dispute process. they send us notification the account was closed but refused to show where they removed the fraudulent fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting 11 inquiries to my account, only 3 of them are valid. The others are not authorized and need to be removed : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/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 2024-11-02 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: OH

Complaint narrative:
XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX under account # XXXX, Account # XXXX, Another collection account under XXXX XXXX XXXX : Account # XXXX, ACCOUNT : XXXX  # XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ) 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 non-monetary relief
Consumer complaint received 2024-11-03 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: Possible Financial Inc
State: TX

Complaint narrative:
The information is incorrect on my credit report Names and addresses is not mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have been involved in Several Data Breaches XXXX XXXX XXXX and several other and have found a lot of inaccurate information far as old addresses and reporting on all 3 credit bureaus. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Request for Clarification on Collection and Charge-Off Status I am writing to request clarification regarding the status of my account, which has been sent to collections and marked as charged off. 

I understand that this status can significantly impact my credit report and would like to confirm the following details : The total amount owed and any applicable fees. 
The date of the charge-off. 
The name of the collection agency handling my account. 
Any options available for settling this debt. 
I appreciate your prompt attention to this matter, as I am eager to resolve any outstanding balances and understand the implications for my credit report. 

Thank you for your assistance.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: SC

Complaint narrative:
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.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accountshas violated my rights.Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-11-02 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: SC

Complaint narrative:
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.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accountshas violated my rights.Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a complaint against LVNV Funding LLC regarding an alleged debt they claim I owe. This complaint is my formal request for validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite not having provided validation, LVNV Funding LLC has reported this debt to credit bureaus, which is adversely impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

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 2024-11-02 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: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
ax WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department - Last Reported : - XX/XX/year> For the amount of {$1700.00} Which is illegal under the FCRA to assign to any third party or debt services without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Due to me being away for my safety from XXXX XXXX, I was not able to check my credit or use my credit. I was at a XXXX XXXXXXXX XXXX XXXX from XXXX. 
I have been working on getting my life back and I have discovered I am a victim of identity theft. I contacted Design Receivable Solutions already to report this but they have not removed themselves or returned my points deducted from XXXX XXXX and XXXX credit bureau. I do not see them on my XXXX credit bureau but it does not hurt for them to check with them to ensure it is not under a closed account or another name affecting my score or credit information. 

Attached are the screenshots and police report I filed. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
This account has a first late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX XXXX # XXXX ( CLOSED )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX5 USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 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 USC 1682s-2 ( XXXX  ) A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that thr information is in accurate

Company response to consumer: Closed with non-monetary relief