vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: MD

Complaint narrative:
XXXX XXXX XXXX made two false reportings on XX/XX/2022 and XX/XX/2022.

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 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Recently obtain a copy of my credit report and ( CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX ) you are currently reporting debt to my credit report and also allowed under the fair debt collection practices act I am requesting that you allow me to validate the alleged debit please provide me with a breakdown of all the charges, dates of service and procedures give me including fees associated with the debit. 


Can you please provide me with this information as follows : -Validation of debt -please provide a breakdown of fees including any collections costs. 
-provide a copy of my signature with the provider of service to release my information to you. 
-requesting purchase agreement between the original creditor. 
-Cease any credit bureau reporting until debit has been validated by me. 
-revoking all rights of communicating with you through email, text, calls -also please provides with your license to collect a debt in my state of Florida.

My consumer laws were also vaildate Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Please send this information to my mailing address listed above and except this letter as my formal debt validation request, which Im allowed under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
According to my credit report, which contains information furnished by Resurgent Receivables LLC, several discrepancies and inaccuracies have been identified. These discrepancies include but are not limited to inconsistencies in high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. These inaccuracies cast considerable doubt on the completeness and accuracy of the reported information. 
As a furnisher of information to consumer reporting agencies, Resurgent Receivables LLC is subject to the responsibilities outlined in 15 U.S. Code 1681s2. These responsibilities include providing accurate and complete information to CRAs, conducting reasonable investigations of consumer disputes, and correcting any inaccuracies or incompleteness found in the reported information. 
Furthermore, the inaccuracies in the reported information have directly harmed my financial stability and personal reputation. Specifically, the recent rejection of my application with the XXXX XXXX XXXX XXXX  is a direct consequence of the inaccurate reporting by Resurgent Receivables LLC. This rejection has inflicted substantial harm upon my financial stability and personal reputation, arising from the unjust denial of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wallet was stolen and someone opened a credit card under my name. 
I have reported this to Chase but they still havent cleared up the matter. 
I have asked for a copy of the transaction and they are refusing to provide them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-15 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: NC

Complaint narrative:
On XXXX XXXX, Experian dropped my credit score by XXXX XXXX on reporting from XXXX XXXX on an account balance paid in full and ahead of the scheduled due date. I had attained and maintained a perfect XXXX score. 

Since XXXX, I have held an XXXX XXXX ( XXXX ) XXXX XXXX. The balance is paid in full and ahead of the due date every month. The card has no spending limit. 

On XXXX XXXX, XXXX ( XXXX Customer Service ) confirmed I never had an outstanding or overdue balance. I was then transferred to XXXX ( XXXX XXXX XXXX XXXX ), who told me I needed to pay my balance ahead of the due date to avoid reporting to the credit agency. When I questioned her statement, I was told to contact XXXX Customer Service. After re-explaining to XXXX that customer service transferred me to the special credit team, I requested she initiate and stay online for a three-way call. 

The call was connected to XXXX. She stated that the special credit team handles any credit reporting issues. XXXX told XXXX to tell me when to pay my bill to avoid credit reporting. XXXX responded that it should be before the due date. This went on until I was directed to contact the credit reporting bureau as it was " their '' fault.

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 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector engaged in deceptive unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in this process. More so they did not follow the five step validation procedure which makes this an unfair practice. Access to the FDCPA I am entitled to {$1000.00} dollars per violation and clearly that have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
These companies have ran my credit without my permission as fraud I do not know of these comapni3s except one and I did not run my credit this many times XXXXXXXX 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 I have not made or know of these inquiries please provide me with proof that I have done these inquiries please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am seeking assistance from your institution to resolve a mortgage refinance issue. On XX/XX/XXXX I closed on the refinancing of my home. My original payout cost was {$83000.00}, which was the final balance left on the house as of XX/XX/XXXX per Renasant Bank. But when Renasant Bank printed the Forbearance Agreement for the Mortgage Pandemic Relief ( see attachment ) the new payoff amount stated the original loan was now {$92.00}, XXXX. By definition, the Mortgage Relief Program was a grant fund for homeowners to ease their financial hardships that resulted from the COVID-19 pandemic. These funds are free grants that are NOT required to be paid back per the COVID-19 Mortgage Pandemic Relief Program. According to Renasant Bank I now owe those funds back in the amount of {$8400.00}, which was added to my new balance. 
During the refinancing process I added a credit card balance of about {$26000.00} to reduce my debtors. After this request I now realize that my final home balance had been increased to {$92000.00} instead of the original amount, which was {$83000.00}. Therefore, when the Renasant Bank added my credit cards to the new home balance it totaled to {$120000.00} ( amt paid by XXXX XXXX XXXX XXXX new lender ). But according to the original documents my payoff should have been {$100000.00} ( estimated ). I would like this discriminatory and unjust treat to be abolished immediately. Please inform me of any assistance to reversed, refund, or/ and resolve this issue. Thanks in advance. 

Regards, XXXX XXXX XX/XX/XXXXXXXX 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 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-02-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB Ref : Hard Inquiries on my Credit Report Date : XX/XX/2023 Name : XXXX XXXX  Location : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Date : XX/XX/2023 Name : XXXX  XXXX Location : XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual These inquiries were not authorized by me, and I have no knowledge of any interaction or application with the aforementioned entities at the specified dates. As such, I request the immediate removal of these unauthorized inquiries from my Transunion credit report. 

I understand the importance of accurate and fair reporting in maintaining the integrity of credit profiles. Therefore, I kindly request that you investigate this matter promptly and take necessary action to rectify these errors. 

I appreciate your attention to this matter and your prompt action in resolving it. 

Thank you for your cooperation and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: NJ

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I needed a money order for {$2.00} for my DMV forum. So I went to XXXX to get one. I gave them {$2.00} and paid the fee. I filled it out wrong so I needed a new one. XXXX would not refund me. They would not re-print mine. They wanted me to get a new one. To get my money back. I have to contact Western Union and pay a {$5.00} fee. I don't think I should have to spend {$5.00} to get my {$2.00} back. Which I've all ready paid one fee to make the money order. I'm positive Im not the only person this has happened to. Nobody should have to pay a fee for a refund. Here 's the link to the western union site with the refund information. I personally did not think the refund information for money orders was very easy to find. I personally feel taken advantage of and would like to see better business practices from Western Union. How much money have they made from this policy? It's not even worth requesting the refund. 

https : //wucare.westernunion.comXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted an erroneous and unverified account that needs reporting and correction through your company.

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 2024-02-15 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: TN

Complaint narrative:
I am filing this complaint regarding EXPERIAN INFORMATION SOLUTION 'S recent reinvestigation involving inaccurate account information showing in my consumer disclosure report with EXPERIAN INFORMATION SOLUTIONS.A written notice of the inaccuracies were mailed on XX/XX/2023 and the tracking number is XXXX. The following accounts remain inaccurate after EXPERIAN 'S recent reinvestigation : XXXX XXXX and XXXX XXXXXXXX XXXX XXXX These accounts still have the same inaccurate information being reported in my consumer disclosure report. XXXX XXXX XXXX XXXX is still reflecting a total of three late payment dates in a row for the year 2023 and XXXX XXXX is reflected as an incomplete account. In the " Payment Summary '' section it shows " ND, ND, ND '' for the year 2023. I am requesting the removal of the late payments with XXXX XXXX XXXX XXXX and the removal of the account with XXXX XXXX as it is still reported as an inaccurate incomplete account. Per Fair Credit Reporting Act 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i am victim of equifax credit breach i would like these items removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX : XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX PA XXXX : XXXX {$1700.00} I attached a pic from the equifax website showing i was a victim and my i am victim of equifax credit breach Claim Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: AL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 explanation
Consumer complaint received 2024-02-16 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:
Please see attached file

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Contact company regarding account old account statutory limitations expired they do not respond contact company after receiving my consumer 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 explanation