vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX Please investigate this account, there are several inaccuracies amongst XXXX and Transunion which shows this account was not validated through the E-oscar system or bureau agent. How is it possible for one account to show information that is not identical on both bureau accounts?

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I contacted the company initially on XX/XX/XXXX about a credit alert entry logged to my XXXX credit report. The debt was for {$54.00} from LVNV Resurgent for an original creditor of XXXX XXXX XXXX XXXX XXXX tied to account XXXX. I contacted the company via the contact number on the credit entry. The company has never attempted to contact me about this debt. I advised the company I have been a victim of identity fraud between XX/XX/XXXX and XX/XX/XXXX and advised of another account that was opened for the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have never lived at this address nor consented to anyone at that address to start utilities in my name. I have lived in NC since XXXX and provided the company with leases, utility bills, police reports, ftc avadavat of identity theft notarized and the company refused to remove the debt. I have complied with all requests from the company to furnish all documents and they continue to repost the debt to my account. The original creditor failed to properly validate the person who opened the account identity. I have repeatedly asked for copies of the documents used to open the account to no avail. There are no leases to show I was a renter or even occupant of the address no XXXX  or etc. Short of legal action I am at a lost why the company refuses to remove the debt. I have impeccable payment history and have not had an collection account since XXXX yet the company feels as though I would fail to pay a {$54.00} debt. The debt is not mine and I need support in addressing this company. The company has also relisted the debt on my credit with a balance as well as the original creditor which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 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 XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: GA

Complaint narrative:
I sent a debt validation letter ( attached ) to the debt collector in XX/XX/2024 and XX/XX/2024. I received no response either time. This company has not proven this debt belongs to me and the burden of proof of this debt belongs to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I do not have a signed contract with this company. If so, i am asking for the company to provide me a copy of the signed contract with them as prove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX Please investigate this account, there are several inaccuracies amongst Experian and XXXX which shows this account was not validated through the E-oscar system or bureau agent. How is it possible for one account to show information that is not identical on both bureau accounts?

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NY

Complaint narrative:
On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. Experian and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
*Items are where FCO misrepresented documents and/or the nature of the debt Dated XX/XX/XXXX Received a debt collection notice from XXXX that we owed XXXX XXXX {$3300.00} XX/XX/XXXX Disputed the debt through their portal and requested proof Dated XX/XX/XXXX Received a XXXX ledger that showed a charge of {$3700.00} for a " lease termination fee. '' XX/XX/XXXX Called FCO and disputed the debt again, explaining that our lease had expired and we were on a month to month lease. Requested that FCO either send concrete proof of valid debt or cease collection activities. 

XX/XX/XXXX *Received a copy of an expired lease from FCO . The lease was expired in XXXX and the " lease termination fee '' was added in XXXX. 

Dated XX/XX/XXXX Received letter from FCO notifying us that we had been or are scheduled to be reported to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX *Called FCO to inquire why they were threatening to report us to credit bureaus during an ongoing dispute. 
Agent stated that XXXX had reported the debt as " unpaid rent. '' XX/XX/XXXX Certified letter delivered to FCO instructing them to cease collections if they can not provide a valid lease. 

XX/XX/XXXX *Received documents from FCO - A letter of intent that they stated was a " lease renewal '', and a " Move Out Statement '' that provides no further evidence of a valid lease. 

XX/XX/XXXX Called FCO informing them I was sending an official cease and desist letter and that they had failed to prove a debt despite multiple requests. 

XX/XX/XXXX Certified cease and desist letter arrives at FCO. 

XX/XX/XXXX XXXX reports negative action by FCO.

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 2024-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I received {$330.00} payment from a friend and the account received it perfectly fine but then XXXX seconds later when I tried to withdraw it to my bank all of a sudden my account was flagged and they told me I have to wait five days for them to review my information to verify my identity, even though Ive proven my identity to them XXXX times in the past two days And they change their reasoning to. I somehow broke their terms of service even though its only a XXXX day old account at the time that it was frozen theyre doing this to a lot of people and theyre screwing me over majorly because I needed that money desperately days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX I submitted a dispute letter to Experian stating that this alleged account is not only reported as a opened account but also shows a balance but to also send me proof that the alleged debt is my debt also I know that its illegal for any credit agency to report a closed account as open and show a balance and this is a violation with the fair credit act and is also a violation with the requisite Metri 2 complaint

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally complain to Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results and Equifax has failed to provide any acknowledgment or resolution of my concerns. 

I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as evidence of my attempt to rectify the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Despute letter was sent to company to validate said amount of {$8700.00}

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 2024-03-31 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
I do not have a signed contract with this company. If so, i am asking for the company to provide me a copy of the signed contract with them as prove.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/2024 XXXX XXXX Inquiry Date : XX/XX/2024 2024

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 2024-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I sent this debt validation letter ( attached ) in XX/XX/2024 and XX/XX/2024 and received no response either time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently filed a complaint with Eqifax stating for them to update my personal information on my credit report due to them stating that it wasn't me who requested the change. This is not correct. I did request change. I sent my initial letter on XX/XX/XXXX. Since that date, Equifax then responded on XX/XX/XXXX stated that I didn't submit the correct information for the change. I sent the following documents : Drivers license, social security card, and a bill to verify my address. All of which they required to make any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2024 Navy Federal Took {$4500.00} out of my savings account without my consent or knowledge after verbal agreement. They applied {$3500.00} to one card and paid the other off! I called tried to plea with them that was a non profit check to help me move and that I came in and had agreement to make payments when I deposit check but they disregarded. After pleading with them they applied {$1500.00} back to my account. I called back to ask why the changes not on my report after 30days they told me they will not update my account until I pay it off! Well they messed up and violated the fora law by reporting inaccurate information. They reported I only paid {$150.00} on XX/XX/2024. Well that is totally inaccurate. Ive paid between XXXX XXXX on this card and still have a balance of XXXX impossible! Navy Federal has been over charging me and other minorities triple the rate keeping us high in debt and drastically affecting our credit. I am a victim and I want to file and be apart of this class action lawsuit! Not only this card they have over charged me several times on my other card I recently paid off! I want these accounts off my credit report! I will be alerting others by social media and every other outlets Navy Federal Has XXXX of complaints and its not fair that they get to discriminate over charge and destroy customers and citizens of US! I want compensation for all my pain suffering denial homelessness loss of businesses!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Line Financial, PBC
State: NC

Complaint narrative:
Never established a loan ( company says it was for {$30.00} ). Company stated it was open in 2022 at which the loan was provided but they also started a membership which has been active since the loan was provided. I reached out to the company to deactivate the account and or cancel the subscription and the representative told me that her hands were tied because she couldnt do either until I paid them their money. I again attempted to explain that I was not aware nor authorized such loan and could they at least stop the subscription until we could get the the bottom of how this was opened. Again the rep. Stated no not until I pay them first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have recently been looking at my credit report and noticed a debt that was not mine. I requested proof of this debt, the original documents, payment history, however never received any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX I submitted a dispute letter to XXXX stating that this alleged account is not only reported as a opened account but also shows a balance but to also send me proof that the alleged debt is my debt also I know that its illegal for any credit agency to report a closed account as open and show a balance and this is a violation with the fair credit act and is also a violation with the requisite Metri 2 complaint

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 2024-03-31 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: CL Holdings LLC
State: GA

Complaint narrative:
This account was taken out by unauthorized family member in XX/XX/2917 when I found out I called them and let them know to close the account Ill pay final bill of XXXX for month ( only had account XXXX ) after about XXXX mths I noticed on my report after repeated attempts to get settled and removed they are still reporting inaccurate information as far as balance and dates! This account is over XXXX old but they are reporting as open in XXXX ( false ) on my credit report to remain as derogatory! Im asking that this account be removed 1 inaccurate reporting and 2 its old account over XXXX!.

Company response to consumer: Closed with explanation