vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: AZ

Complaint narrative:
XXXX XXXX is not abiding by consumer laws, reporting information inaccurately to credit bureaus violating the Truth in Lending Act ( TILA ), 15 USC 1602, and the Fair Credit Billing Act ( FCBA ), 15 USC 1666b. They have been reporting a charge-off to my credit while wrongfully still claiming a debt is owed, which is a clear violation of consumer protection laws. Under these statutes, once an account is charged off, you are prohibited from continuing to assert that the debt is outstanding. The account was charged off and reported by XXXX XXXX in XX/XX/year>. Since charging the account off, the company continues to illegally report the account as an outstanding debt with late payments. The inaccuracies was admitted in a letter received from XXXX XXXX however the did not remove the reporting due to violating consumer laws. I request immediate correction of my credit report to reflect the removal of the account due to the violations.

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 2024-12-21 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: FL

Complaint narrative:
I am listing accounts and inquiries 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 XXXX XXXX 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention :

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 2024-12-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2024-12-21 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: GA

Complaint narrative:
My credit report contains inaccurate personal information and unauthorized hard inquiries that need immediate correction. These errors are causing harm to my credit profile and must be addressed without delay. 

The inaccurate personal information includes : Correct Name : XXXX XXXX ( no variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ) Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( no other addresses are accurate ). 
Correct Phone Numbers : XXXX, XXXX, XXXX. 
The following unauthorized hard inquiries are present on my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all information on my credit file is accurate, verifiable, and reported with my explicit consent. These inquiries and inaccurate details are violations of my consumer rights. 

Request to Avoid Stall Tactics Please do not send stall letters questioning my identity. I have already submitted my drivers license, Social Security card, and a bill as proof of identity. These documents are sufficient to verify my identity and comply with your requirements under the FCRA. Once these documents are submitted, nothing further should be requested. 

Additionally, if you are sending correspondence, it must be sent to the address I have provided 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 2024-12-21 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: Telerecovery Corporation
State: LA

Complaint narrative:
The account provided to the collection agency should have been a withheld/outstanding account is accumulating unknown interest and inaccurate information. I have called numerous times to explain that I have re-enrolled in college and will have enough money to pay, which they understood until this month when my account appeared at a collection agency with an astonishing balance of {$8400.00}, the original balance was only {$1900.00}. I would like the creditor to delete the collection from my credit history due to the inaccurate that was not provided 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 explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
I have continuously reached out to all three of the credit bureau sin regards to the inaccuracy on my credit report. Equifax has not even responded in30 plus day. These accounts are inaccurately reporting on my credit file and is causing me to lose jobs nor find shelter do to the items reporting negatively on my file. I would like for these items to be properly investigated in a timely manner and removed and blocked from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
I have continuously reached out to all three of the credit bureau sin regards to the inaccuracy on my credit report. XXXX has not even responded in30 plus day. These accounts are inaccurately reporting on my credit file and is causing me to lose jobs nor find shelter do to the items reporting negatively on my file. I would like for these items to be properly investigated in a timely manner and removed and blocked from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-21 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-12-21 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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: IN

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transaction that I have made it is the result of identity theft

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am writing to dispute certain inquiries that have appeared on my credit report, which I believe are the result of identity theft and unauthorized actions. I demand proof bearing my signature or electronic signature as evidence that I authorized these actions. These actions violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B and Section 604. I have contacted the companies responsible for reporting these actions and have confirmed that they initiated them without proper validation or any original proof from me. These inquiries are not legitimate, as I never authorized them, making them the result of identity theft or illegal reporting of my consumer information by creditors or third-party data furnishers. Under the Fair Credit Reporting Act, Credit Bureaus are required to investigate these accounts and inquiries and delete or block them no later than four business days from receiving this letter. I have attached relevant sections of the FCRA, including 605B and 604, which explain the process for blocking information resulting from identity theft and outline the permissible purposes of consumer reports. Please conduct a thorough investigation into the accounts and inquiries listed and delete or block them immediately based on the investigation results or in case of non-compliance. Failure to comply with these regulations will lead to legal action as outlined under FCRA 616, including actual damages and declaratory relief. Unauthorized Inquiries are from the following companies : XXXX XXXX XXXX XXXX, 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 2024-12-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-21 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 ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated debt bondage, which qualifies as XXXX under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 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  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX XXXX  : XXXX Balance : {$10000.00}

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 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I was checked on my XXXX XXXX and saw on my reports without my know, they didn't send me his information until I call the company ask them please send me the debt validation which they are refused and report said disagreement but not what I was ask.

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 2024-12-21 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-21 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was a victim of fraud on my Bank of America credit card for four ( 4 ) purchase transactions made without my consent and neither was made by any of my authorized users at XXXX XXXX # XXXX for {$140.00}, XXXX XXXX XXXX XXXX XXXX XXXX for {$1.00}, XXXX XXXX XXXX for {$100.00} and XXXX # XXXX for {$150.00} for a total of {$410.00}. 

The first claim was automatically initiated by the bank after issuing a fraud alert. After several weeks, I received an alert in my online account that they had not approved the claim and since they did not give an explanation, I decided to call and they told me the reason why it was Denied is because the physical card with the chip was used and the receipt was signed. I requested that they send me that proof because neither I nor any of my authorized users made these purchases, but they denied my request. 

I decided to go to a physical office of the Bank of America and talk to a banker about the case, she told me that I had to send a form, and I explained that I never received anything, so she called, and the case was reopened. But I never received the form that was mentioned to me and again the case was not approved. So, I had to pay for those purchases although neither I nor my authorized users did, in order not to damage my credit history. 

After a few months trying to investigate what other options I had, since the bank never informed me what other steps I should or could take. I saw that I could file a police report, so I went and filed the report on XX/XX/XXXX and the case number is # XXXX. Reiterating that I did not make those purchases and none of my authorized users made those purchases. I also mentioned to the police that these unauthorized purchases happened after I used my physical card at the XXXX XXXX XXXX ( # XXXX ) on 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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested the debit validation letter and purchase agreement with signature, the only letter I received was " debt validated ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Global Tel*Link Corporation
State: FL

Complaint narrative:
GTL has refused to provide me with documentation of all advance pay phone payments made and per phone call charges charged via phone records. I submitted a request of detailed phone charges and call records to their customer support as well as spoke with customer support on XX/XX/year> and have received NO communication at all whatsoever concerning my request since the. They are actively under investigation and ordered to pay a lawsuit of XXXX XXXX dollars to consumers whom they have defrauded. Since I have been forced to make an account with them in order to communicate with my XXXX  son at XXXX XXXX XXXX over 9 months ago, They have been charging more money than allowed for phone calls via the FCC guidelines and placing funds on my XXXX  XXXX  account on hold and not returning my $ to my phone account. I have contacted them when I noticed my account was being charged and money was being taken from my account, where they gaslit me, hung up on me, and were of no help obtaining a detailed record of all charges. They have since ignored my request to obtain the charge records per phone call to my XXXX XXXX account which leads me to believe they are indeed stealing money from their consumers and families of those XXXX. This company is using it's monopoly power and stealing from consumers and blocking accounts when we hold them accountable. I'd like a full investigation into the GTL and XXXX XXXX XXXX, the XXXX XXXX XXXX and NOW they are attempting to cover their tracks by moving to a new platform called GTL Getting Out. A subsidy of XXXX XXXX and umbrella company of Global Tel Link. I believe they have stolen money from my advance pay accounts, which forces me to have to add more and more to receive my sons phone calls. I'd like an investigation done, My records to be sent to me and any moneys owed or overcharged to be given back. My attempts to get my detailed call and charge records have been met with nasty management telling me that I would have to subpoena call records, pay for call records or flat out told, they are not available to us consumers on accounts WE created, on OUR personal phone numbers, using OUR OWN money to fund these accounts. I plan to take this complaint and/or lawsuit as far as it needs to go until this situation is rectified and they are either closed or forced to stop committing fraud against families that are already dealing with the loss of their loved ones to the XXXX XXXX and fined as well as placed under strict provisions, monitoring their systems account and financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NV

Complaint narrative:
I buy houses/ own in XXXX, rent / rent rooms to several independently people. I reside in XXXX XXXX and I became aware of a Notice of XXXX XXXX. I followed up to check my credit and found several credit cards in my name and at XXXX point being paid, late, and now in collections. I disputed the claims and requested the credit agencies in Accordance to the FDCPA pursuant to 15 USC 1692g for proof of debt from credit cards. The company only provided me with late last XXXX  months of Credit Statements ( I dont recognize ) and nothing more. I requested to provide the XXXX XXXX with date, address, interest, and bearing my signature. They have failed to provide the XXXX Credit Card XXXX.

Company response to consumer: Closed with explanation