vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-08 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: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-08 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I received a debt collection letter from you. 
Do you have the right person? 
Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
We got a Balance Transfer using the 0 % promotional rate. We made other charges that we paid off each month but they charge interest. We did not revolve as we paid each month. They say the last line same BofA has the right to charge interest. We paid so in our opinion we did not revolve. Advertising is misleading. BofA refuses to correct the situation. I am asking what I owe so I do not have anymore interest and they can not tell me how much I owe so I do not pay anymore interest. So a bank can not tell me the payoff amount? 

XXXX : If you take advantage of a 0 % promotional or introductory rate offer on Balance Transfers or Direct Deposit Cash Advances, you are unable to avoid interest on purchases unless those purchases have a 0 % promotional or introductory rate or you pay your entire Statement Balance ( including any 0 % promotional or introductory Balance Transfer and Direct Deposit Cash Advance balances ) by your payment due date.

If you revolve your Statement Balance, all transactions and balances not subject to a 0 % rate will be charged interest.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from any of the reported accounts. Block and remove. Please pay per validation in the amount of {$1000.00} per outstanding item listed on the consumer report, per the Affidavit submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TX

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 2024-11-08 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:
I am writing to request the immediate blocking and permanent deletion of unauthorized accounts on my credit report due to identity theft. I have recently been a victim of a data breach, resulting in fraudulent accounts being created in my name. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am exercising my right to have these accounts removed. 
Details of the Unauthorized Accounts : 1. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} 2. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} 3. Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of an account that you have placed on my credit report. Your agency has failed to provide the necessary validation and disclosure information as required by federal law, and as such, I demand the immediate removal of this account from my consumer report. 

The following laws have been violated by your agency in this matter : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) Your agency has not furnished the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). I am legally entitled to full disclosure of the alleged debts nature, origin, and amount, none of which has been provided to me.

Failure to Allow for Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) Your agency placed this debt on my credit report without giving me the opportunity to dispute it under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), effectively denying my right to contest the debts validity. 

Use of Deceptive and Misleading Means in Collection Efforts Reporting this debt without legally required disclosures and validation constitutes misleading, deceptive, and false representation of the debt, violating my rights under consumer protection laws. 

Unlawful Reporting without Required Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ) ) Your agency has no authority to report any account to consumer reporting agencies without providing all necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ). Your failure to comply is a clear violation of my rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We were supposed to get a bill in the mail when we used them to purchase a new XXXX. The bill was supposed to be in the mail and it hasn't come in over a month and a half. I cant call them because it's just an automated line. I can't use the account number to log into the account as it says it can't find anything even with a social

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Credit Collection Services ( CREDIT COLL ) for its ongoing and outdated reporting of a collection account from XXXX, despite repeated violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). CREDIT COLL continues to inaccurately report this obsolete account, which no longer has relevance and is in violation of both reporting consistency standards and required disclosure obligations. 

Below is an outline of the specific issues and violations involved : Outdated and Inconsistent XXXX CREDIT COLL has been reporting an account that dates back to XXXX, without consistent reporting practices across consumer reporting agencies. This inconsistency has resulted in misinformation on my credit report and has affected my credit unfairly. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) CREDIT COLL has not provided me with required validation information under 12 CFR 1006.34 ( b ) ( 5 ), depriving me of the ability to verify the legitimacy and details of this debt.

Failure to Provide Opportunity for Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) CREDIT COLL reported this account without giving me an opportunity to dispute it under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have been denied the legal right to challenge this outdated debt before it was reported.

Misleading and Inconsistent Information By continuing to report an outdated and now irrelevant debt, CREDIT COLL is misleadingly representing my financial obligations. This is causing ongoing harm and distress and does not align with the current standing of my financial records.

Violation of Reporting Authority without Required Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ) ) CREDIT COLL has no legal authority to furnish any account information without full disclosure, as required under 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ). CREDIT COLL 's actions demonstrate clear disregard for federal consumer protection laws.

I respectfully request that the CFPB investigate CREDIT COLL for these ongoing reporting violations, specifically regarding outdated and inconsistent information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft due to a recent data breach. As a result, several fraudulent accounts and unauthorized credit inquiries have appeared on my credit report without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit file. 
Fraudulent Account : 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 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 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 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 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 2024-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
Subject : Misleading Guidance by Student Loan Servicer Leading to Extended Repayment Term I am filing a complaint against my student loan servicer for providing misleading information about the effects of loan consolidation and Income-Driven Repayment ( IDR ) plans. I was advised to consolidate my federal student loans without being clearly informed that this would significantly extend my repayment term from 10 years to 20 years. 

As a result of the servicers advice, I have been in repayment since XXXX  and am still facing a substantial debt burden. I believe the servicer failed to disclose the long-term impact of these changes, which has caused undue financial hardship. I am seeking a resolution, including a review of my payment history and potential loan discharge or adjustment. 

Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-08 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:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has an issue with my name. Their system does not allow a single letter last name. However my name is structured like so : XXXX : XXXX XXXX XXXX XXXX This is on my Drivers license, Passport, Social Security. I have even submitted them proof how my name is structured. Over the past couple of months ( 9 months to be exact ) XXXX  has been sending them credit reports which has been auto rejected by them and I have been unable to get XXXX XXXX with them. I have a XXXX XXXX with XXXX so I am not sure why its so hard to accept the way my LEGAL name is structure. I have had numerous phone calls with their operators and their supervisors all unable to rectify my issue and they have been throwing me on a loop. I even have supervisor asking me to ask XXXX  to have my name reported Differently. This is shady and not acceptable. My name is tied to my social security so I XXXX understand why my LEGAL name is not accepted into their system. The lack of XXXX XXXX has been affecting my life and I need this resolved

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 2024-11-08 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: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief