vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request to Investigate and Remove Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am submitting this complaint to address the inaccurate late payments reported on my US Department of Education ( US DEPT ED ) account as reflected on my credit report. These inaccuracies are not only misleading but also a violation of my rights under federal consumer protection laws. 
Nature of the Complaint : Inaccurate Late Payment History : The late payments listed for XX/XX/XXXX through XX/XX/XXXX are erroneous. The account was in deferment status during this period, and no payments were due. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting breaches the FCRA ( 15 USC 1681i and 1681s-2 ), which mandates that credit reporting agencies maintain and report accurate information.

Improper Account Status : The account is listed as " Late 120 Days, '' a designation that is entirely inconsistent with its documented deferment status. 
Failure to Correct Errors : Despite the deferment being evident, no correction has been made to the account, highlighting a failure to adhere to responsibilities under 15 USC 1681s-2 ( a ) ( 2 ). 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Requested Resolution : I am requesting a thorough investigation of this matter and the immediate removal of all inaccurate entries associated with the above account. Please provide written confirmation of the changes made within 30 days. If this matter is not resolved, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse if necessary. 
Sincerely, 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Heres the revised version incorporating your experience with LexisNexis : Subject : Complaint About Denial of Access to My Consumer Report Dear CFPB, I am filing this complaint because I have been unable to access my consumer report from LexisNexis Risk Solutions, despite my rights under the Fair Credit Reporting Act ( FCRA ). 

I contacted XXXX to request access to my report and was told that I could only obtain the information through a special department that does not have an email address or phone number. This lack of accessibility is unacceptable and prevents me from verifying the accuracy of the information being reported about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to XXXX an account starting with # XXXX. For XXXX and XXXX you are reporting an account starting with # XXXX. XXXX is the Correct Account number for my student loans? See smartcredit report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

XXXX, XXXX, and XXXX is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> SUBJECT : Request for Debt Validation I writing regarding a debt you clime I owe. under the FDCPA, I have the right to request verification of this debt. 

please provide me the following 1. The name and address of the original creditor.

2. a complete account history, including proof of the original debt and any payment made 3. documentation that you have the authority to collect on this debt.

4.A copy of the purchase Agreement showing me that you own the debt and you have the right to collect on the debt you presume that i owe. 

until you provide this information, I request that you cease all collection activity, including phone calls and written communication, until you have provide proper validation. 

I look forward to your prompt response sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
INCORRECT INQUIRIES FOUND ON MY REPORT 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 2025-01-14 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: OH

Complaint narrative:
INCORRECT INQUIRIES FOUND ON MY REPORT XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

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 2025-01-14 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: DC

Complaint narrative:
I received notice that a hard inquiry into my credit was run, however I didn't authorize this nor had I recently applied for any new accounts or loans. 

The credit inquiry came from XXXX XXXX XXXX  on XX/XX/year>, and after calling them they confirmed that there was a recent application for a credit card using my information ( with a different phone number ). I informed them I did not submit an application, so they marked the application as fraudulent and cancelled it. 

The hard inquiry into my credit now appears on all three major credit bureaus ( XXXX, XXXX, and Equifax ), and I'd like to ensure that this is removed from my record- along with any necessary fraud monitoring that needs to take place for my information. I first tried calling XXXX to do this, and they informed me that I should first create a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: DC

Complaint narrative:
I received notice that a hard inquiry into my credit was run, however I didn't authorize this nor had I recently applied for any new accounts or loans. 

The credit inquiry came from XXXX XXXX XXXX  on XX/XX/year>, and after calling them they confirmed that there was a recent application for a credit card using my information ( with a different phone number ). I informed them I did not submit an application, so they marked the application as fraudulent and cancelled it. 

The hard inquiry into my credit now appears on all three major credit bureaus ( XXXX, Experian, and XXXX ), and I'd like to ensure that this is removed from my record- along with any necessary fraud monitoring that needs to take place for my information. I first tried calling XXXX to do this, and they informed me that I should first create a report with the FTC.

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 2025-01-14 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: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX The email reads : Dear XXXX XXXX XXXX Debt Description : Badcock Account Number : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX The purpose of this letter is to advise you that XXXX XXXX XXXX XXXX XXXX is the new owner of the above-referenced account. Accordingly, please include the XXXX Reference Number on all correspondence. 

No collection efforts will occur on this account for at least 30 days from the date of this notice. 

The debt to XXXX was paid in full on XX/XX/XXXX to Avante USA for the agreed amount. I have not heard of this creditor nor do I owe them. And I have proof of paying the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies XXXX, XXXX, and Transunion are listing my confidential information regarding student loans on my credit report without my written authorization. The Code of Federal Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.

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 2025-01-14 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: NC

Complaint narrative:
According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies XXXX, Equifax, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The Code of Federal Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
I have contacted the debt collector to receive 1099-c from charged off account, the Account History Information and any signed contract between myself and the debt collector that I have signed. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consum. reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) Subject to section XXXX681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity 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 2025-01-14 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: NM

Complaint narrative:
LVNV Funding LLC XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Debit Validation Request- To whom it may concern : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. 

I have never been notified of this collection action of that I owe this debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money. From me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Pursuant to to the Fair Debit Collection Practices Act ( FDCPA ), 15 U. S. C. 1692, I am requesting that you provide me with the following information to validate this debt. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account to prove that the amount you wish to collect is correct. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX. 
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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud due to my personal information being exposed in several data breaches over the past few years.

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 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Brock & Scott, PLLC
State: TN

Complaint narrative:
Foreclosure sale is XXXX XXXXXXXX XXXX received letters from foreclosure attorney my home was being foreclosed. Attorney sent foreclosure letter to my home address but no other letters. I was to receive at my mail and home address. Mortgage servicer, foreclosure attorney did send notice of XXXX of mortgage debt, delinquent notices, demand for delinquent mortgage payments, letter referring mortgage to foreclosure attorney. Foreclosure attorney has not sent correspondence to validate the debt. Only received foreclosure sale date from foreclosure attorney. I understand in Tennessee I was to receive validation of the debt XXXX to 30 days before the foreclosure sale date is set. I have provided XXXX my documents for mortgage assistance. XXXX has the wrong address refuses to update my address after many requests.

Company response to consumer: Closed with explanation