vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX SUNRISE CREDIT SERVICE Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.

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 2024-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/24 I received a {$500.00} XXXX prepaid credit card as a retirement gift from my employer. On XX/XX/24 I went on its website and found {$500.00} as the balance. On XX/XX/24 I went into a XXXX to use the card and the card was declined. I called the phone number on the card and found out there was only {$.00} on the card. 
I called their customer service and explained to a supervisor what happened she then told me the card was used on an online XXXX  XXXX  on XX/XX/24 for amount of {$490.00}. I then explained to the person from XXXX that I didn't use the card and asked her if she could cancel the transaction, she told me she couldn't, but she would investigate the transaction and put a hold the card and call back on XX/XX/24. So, I called back XX/XX/24 and the person from XXXX customer service this time took my information and said they would investigate it. It seems to me the XXXX prepaid credit cards are not secure and a the {$490.00} is a lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XXXX XXXX, I mailed via XXXX XXXX via Certified Mail an request for verification according to the FCRA Section 609 to provide proof through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

On XXXX XXXX, I received a debt settlement letter rather than the proof requested. The company did not provide requested verification to the account according to the 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NATIONAL DEBT RELIEF LLC
State: NV

Complaint narrative:
I didn't want to continue paying NDR, for their doubtful work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: PA

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please be deleted.

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 2024-04-07 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 am writing to dispute the accuracy and reporting status of an account listed on my credit report. The account in question is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and it is inaccurately being reported solely on my TransUnion credit report, but not on my credit reports from XXXX and XXXX. This discrepancy raises concerns regarding the accuracy of the information being reported by TransUnion. Furthermore, this account, opened and reported as of XX/XX/2015, is past the statute of limitations for credit reporting and should no longer be appearing on my credit report. 

Account Details for Reference : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reported : XX/XX/2015 According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information reported on an individuals credit report. The presence of this account on my TransUnion report, and its absence from my XXXX and XXXX reports, constitutes a clear violation of this requirement. 

Additionally, the FCRA stipulates a maximum reporting period of seven years for negative information. Given that the account was first reported on XX/XX/2015, it exceeds this period and should be removed 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 2024-04-07 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: TX

Complaint narrative:
XXXX XXXX. The reported late date is greater than 7 years and should be removed from the 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 2024-04-07 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 hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within XXXX days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
HI Someone made a loans in my name from the company XXXX AFFIRM INC ) 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TX

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reporting accurately. I had two late payments on a account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint of the following dates ( XX/XX/2022 and XX/XX/2022 ) I'm now request you investigate and provide verifiable proof with record showing that I had late payments. If this information can not be verified I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-07 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 am writing to dispute the accuracy and reporting status of an account listed on my credit report. The account in question is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and it is inaccurately being reported solely on my TransUnion credit report, but not on my credit reports from XXXX and XXXX. This discrepancy raises concerns regarding the accuracy of the information being reported by TransUnion. Furthermore, this account, opened and reported as of XX/XX/year>, is past the statute of limitations for credit reporting and should no longer be appearing on my credit report. 

Account Details for Reference : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information reported on an individuals credit report. The presence of this account on my TransUnion report, and its absence from my XXXX and XXXX reports, constitutes a clear violation of this requirement. 

Additionally, the FCRA stipulates a maximum reporting period of seven years for negative information. Given that the account was first reported on XX/XX/year>, it exceeds this period and should be removed 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 2024-04-07 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: DISCOVER BANK
State: WA

Complaint narrative:
In violation of 15 U.S. Code 6802, it has become clear that DISCOVER has disclosed my nonpublic personal information to at least 3 non-affiliated parties XXXX, XXXX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right.

DISCOVER has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XXXX XXXX of any and all authorization that I may have given DISCOVER to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over XXXX violations of my privacy regarding my accounts with DISCOVER since XXXX

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. DISCOVER is willfully disclosing reports containing information solely as to transactions or experiences between DISCOVER and I to non-affiliated third parties.

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am writing to request verification of the information recently provided to me by Westlake Financial Services. As a customer, it is imperative for me to ensure the accuracy and legitimacy of the information provided. 

Could you please provide details regarding how the information I received was verified by Westlake Financial Services? This includes but is not limited to the verification process, sources used for verification, and any additional steps taken to ensure the accuracy of the information provided. 

Furthermore, if Westlake Financial Services can not verify the requested information, I kindly request that the associated charge off be removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information at your earliest convenience. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
Accordance to USC 1681a ( 2 ) I never gave written consent to have these accounts to be furnished/reporting on my consumer reports!

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 2024-04-07 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: GA

Complaint narrative:
Accordance to USC 1681a ( 2 ) I never gave written consent to have these accounts to be furnished/reporting on my consumer reports!

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 2024-04-07 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: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against TransUnion 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. I am a XXXXXXXX XXXX survivor and have submitted all required documentation to TransUnion, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, TransUnion has refused to block the items in my credit report that are directly linked to XXXX XXXX TransUnion has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate TransUnion 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel TransUnion to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the XXXX XXXX. I kindly request that this case not be closed until TransUnion has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX XXXX XXXXXXXX

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 2024-04-07 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: AmeriCollect
State: FL

Complaint narrative:
I am unaware of this debt. I did not receive proper notification. If in fact that you believe that I receive proper notification, please provide the Certified Mail with the receipt with my signature on there stating that I received it. 
I also have a grave concern and to assert my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that AMERICOLLECT has reported this debt related to medical services on my credit report, which I believe constitutes a violation of my privacy rights as protected under HIPAA, as well as a potential infringement of the FDCPA.HIPAA mandates the protection of individuals ' medical information and restricts the disclosure of personal health information without explicit consent from the individual. By placing information about this medical debt on my credit report without my direct permission, you have not only infringed upon my rights to medical privacy but potentially exposed sensitive health information to entities that have no lawful basis to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CO

Complaint narrative:
Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX account. XXXX shows this account closed while the other XXXX agencies still show it on their reports. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies? 
I have attached a copy of this account on my credit report for your convenience.

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