vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2024-05-20 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: TX

Complaint narrative:
To Whom It May Concern, [ Account Number : XXXX ] I am writing to formally request the deletion of the above-referenced collection account with LVNV Funding LLC from my credit report. It has come to my attention that LVNV Funding LLC has obtained and furnished my consumer report without my explicit authorization, thereby violating several provisions of the Fair Credit Reporting Act ( FCRA ).

The specific violations are as follows : Violation of Permissible Purpose ( Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ) ) : LVNV Funding LLC has failed to obtain my explicit authorization to access or furnish my consumer report for any permissible purpose as defined within Section 604 ( a ). This section outlines the specific circumstances under which a consumer report may be obtained, none of which apply to the actions of LVNV Funding LLC in this instance. 

Certification of Permissible Purpose ( Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) ) : Pursuant to Section 604 ( f ), LVNV Funding LLC is explicitly prohibited from obtaining consumer reports for purposes other than those explicitly authorized in Section 604 ( a ). Furthermore, LVNV Funding LLC has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( b ).

Misuse of Consumer Report ( Section 604 ( a ) ( 3 ) of the FCRA, 15 U.S.C. 1681b ( a ) ( 3 ) ) : LVNV Funding LLC has utilized my consumer report for purposes not permitted under the FCRA. The only permissible purposes outlined in this section include instances such as the evaluation of credit applications, account review, and similar lawful purposes which were not applicable in this case. 

Given these clear violations of the FCRA, I demand that LVNV Funding LLC promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. Furthermore, I require that you provide me with any and all documentation that proves the existence of a contract between myself and LVNV Funding LLC that would justify the permissible purpose for obtaining my consumer report. In the absence of such documentation, the collection account must be removed immediately. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified of the deletion. 

Failure to comply with this request will leave me with no choice but to pursue further legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Upon discovery I noticed that MIDLAND CREDIT MANAGEMENT is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that MIDLAND CREDIT MANAGEMENT along with other company collecting on there behalf such as XXXX XXXX XXXX XXXX collecting without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I applied for the Avant credit card in XXXX, however. I never received the card and called the company on or around XX/XX/XXXX to let them know i have not received the card, i was told to wait at least to the XXXX. 
A couple of days later, I looked on my app for the card and seen purchases for {$260.00} I called Avant customer service to let them know and to close this card. The rep said it would be closed and they'll send me a new card. I have yet to receive a new card, but at this point, I no longer want a card with this company. My score dropped XXXX points because of this. 
Now they're sending me a bill to pay : {$330.00} for purchases I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am refiling this complaint to BANK OF AMERICA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 :

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 2024-05-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX XXXX XXXX IA XXXXXXXX XXXX XXXX XXXX **Subject XXXX Dispute of Incorrect Late Payments on XXXX XXXX XXXX XXXX Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my XXXX XXXX XXXX XXXX credit card account ( Account # XXXX XXXX XXXX XXXX These entries are not accurate and have negatively impacted my XXXX XXXX. 

**Details of the disputed information : ** - **Account Number** : XXXX ( TransUnion ), XXXX ( XXXX ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} ( TransUnion ), {$0.00} ( XXXX ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in Payment XXXX : ** # # # # **TransUnion : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

XXXX XXXX XXXX XXXXAction Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history. 
2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, XXXX **Consumer Financial Protection BureauXXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payments on XXXX XXXX XXXX XXXX Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and Equifax for my XXXX XXXX XXXX XXXX credit card account XXXX Account # XXXX XXXX XXXX XXXX These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX ( XXXX ), XXXX ( Equifax ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} XXXX XXXX ), {$0.00} ( Equifax ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) # # # **Discrepancies in Payment XXXX : ** # # # # **XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

XXXX XXXX XXXX XXXXAction Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and Equifax update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and Equifax highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year> I found out I was XXXX  and started applying for jobs via XXXX. I applied to a job that turned out to be a scam. I received emails asking to fill out my XXXX with all my personal information, thinking it was an actual position I gave all my information including bank account number details and my full social security number along with all my other information. The Manager said I would be a trading assistant and training would begin as he would demonstrate how to use XXXX  applications. The next couple of days he used my information to deposit money into my account and then transfer it out to his accounts and my account already had very limited funds ( about XXXX $ ) so as the bank processed these payments It obviously bounced back and by that point the money was transferred out and I was left in about negative XXXX XXXX He went XXXX and I called my bank and had to close the account due to fraud. I reported everything and assumed a fraud claim was filed, I was promised by the worker I would not have to pay this money as I did not authorize any of it and it was fraudulent. I opened a new account and since I was told by a Bank of America worker I was okay I just let it go and focused on my XXXX.Last week on our new account my husbands direct deposit was taken from the bank to pay back what i owed and am now in XXXX $ with bills due and a XXXX XXXX XXXX XXXX who needs XXXX XXXX XXXXI was completely blindsided when they told me I didnt even have a claim filed to the fraud I went through. I kept getting transferred from department to department different workers were telling me Contradicting things, I finally got the claim filed and they rejected it. I submitted screenshots of the emails I was getting from the scammer and I showed how I gave up all my information and I told them multiple times. I did not authorize those payments. Ive made them aware that I am left with no money and I have to buy XXXX XXXX XXXX XXXX XXXX XXXX on top of all the bills I have. I called to try to get an explanation on why it was rejected and the workers dont want to tell me anything. They keep transferring me again from department to department. No one could give me a straight answer. I asked to be transferred to a supervisor and they told me that they cant even talk to 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 explanation