vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against th
e credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 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: CA

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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 2024-11-22 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-22 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful
noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Intervention and Issuance of Form 1099-C by LVNV Funding LLC Dear CFPB, I am writing to lodge a formal complaint against LVNV Funding LLC for their ongoing failure to provide a 1099-C for a charged-off debt and for not adhering to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Details : Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Charge-Off Amount : {$6300.00} Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Current Status : Collection/Charge-off Background : Despite my diligent efforts to resolve this matter lawfully, LVNV Funding has consistently failed to provide the necessary documentation or proof of debt as requested. This includes their inability to supply a 1099-C form for the charged-off debt, which is essential for proper financial documentation and tax reporting. The absence of this form not only complicates my financial obligations but also raises concerns about their adherence to legal and ethical debt collection and reporting standards. 

Issues Encountered : Failure to Provide 1099-C : LVNV Funding has not issued a 1099-C for the charged-off debt, complicating my ability to accurately file taxes and manage my financial responsibilities. 

Inaccurate Reporting : The account continues to be reported on my credit files without proper validation and with significant discrepancies in payment history and monthly reporting. 

Lack of Compliance with FDCPA : Repeated requests for debt validation have been ignored or inadequately responded to, in direct violation of the FDCPA. 

Potential Fraudulent Reporting : The persistence of LVNV Funding in not providing necessary documentation upon request suggests a disregard for legal obligations, potentially qualifying as a fraudulent activity under federal law. 

Conclusion : This complaint serves as a formal request for the CFPB 's immediate intervention to ensure that my consumer rights are not continuously infringed upon. Failure to address these concerns satisfactorily will compel me to seek further legal advice and possibly initiate legal action for damages incurred due to these violations, including slander, defamation, mental anguish, and stress. 

I am prepared to take all necessary steps to defend my rights and ensure compliance with federal regulations, and I urge the CFPB to assist in resolving this matter expediently. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OUT TECH, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Date : XX/XX/XXXX Bureau of Account Management XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged medical debt associated with the above-referenced account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. Additionally, as this concerns a medical debt, I expect your strict compliance with all applicable federal and state laws, including but not limited to the No Surprises Act and recent Consumer Financial Protection Bureau ( CFPB ) guidance on medical debt reporting. 

Please be advised that I do not acknowledge or admit responsibility for this alleged debt. I am exercising my rights under the FDCPA and request that you provide the following documentation to validate the debt : Proof of the original medical service agreement : A copy of the signed agreement or authorization for treatment that demonstrates I am obligated to pay this debt. 
Itemized billing statement : A detailed breakdown of the medical debt, including the charges for each service, adjustments, payments made, and any outstanding balance. 
Proof of assignment or ownership : Documentation showing that Bureau of Account Management has the legal right to collect this debt, including the chain of custody if the debt was sold or transferred.

Verification of compliance : Proof that this debt complies with state and federal statutes, including those related to billing practices for medical services.

It has come to my attention that Bureau of Account Management has been involved in legal proceedings where courts found violations of the FDCPA. For example, in XXXX XXXX Bureau of Account Management ( XXXX ), your agency was found to have failed to provide proper debt validation and continued collection efforts despite a valid dispute from the consumer. I urge you to ensure full compliance with the FDCPA in this matter to avoid similar consequences. 

Until the requested information is provided, I request that you immediately cease all collection activities related to this account, including communication with me, and stop reporting this alleged debt to any credit reporting agencies. 

You have 30 days from the date of receipt of this letter to respond with the requested documentation. If you can not validate this debt, you must cease all collection efforts and remove any negative information related to this account from my consumer reports. 

This letter is not an admission of liability for this debt and does not authorize any further collection activity. All correspondence regarding this matter must be in writing and sent to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-22 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: NY

Complaint narrative:
Upon checking my credit report recently, I noticed a collection account appear under the creditor name XXXX XXXX XXXXXXXX for an amount of {$1300.00}. I have never done any business with this company/creditor. I have no idea why this collection is attached to my name. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed ( XXXX XXXX XXXX XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account.

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 2024-11-22 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: TX

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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the account below XXXX XXXX XXXX, Account XXXX XXXX which XXXX stated has been verified and updated. I am writing to request a detailed description of the investigative process followed by your agency regarding the disputed account on my credit report. Pursuant to the FCRA 15 USC 1681 ( 7 ). Under section 15 USC 1681 ( 7 ), credit reporting agencies are obliged to provide a description of the investigation within 15 days of receiving a consumer dispute.

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 2024-11-22 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: AR

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 2024-11-22 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: PA

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, I already comply all the needed detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am writing to report a series of serious incidents involving predatory lending, financial misconduct, and possibleidentity theft perpetrated by Title Max.I am deeply concerned about the potential impact of these actions on vulnerable individuals, particularly veterans. 

My Circumstances : Please note that while I have relocated, my current accommodations are temporary. I am a legally registered homeless person. This situation highlights the vulnerability of veterans, who may be particularly susceptible to financial exploitation due to factors such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Detailed Incident Descriptions Title XXXX Incident ( XX/XX/year> ) : Title Max loan officer refused to return my vehicle title after an initial consultation for a {$25000.00} loan with monthly repayments of {$2000.00} leaving me alone in the parking lot of the loan office after it closed with no title to my vehicle. 
The loan officer physically withheld my personal property to coerce me into a loan agreement. 
I was prevented from voluntarily withdrawing from the loan process. 

Unauthorized Financial Access and Fraud : Fraudulent charges were made to a XXXX Dating Site. 
Unauthorized cell phone devices were synced to my online banking. 
Attempted fraudulent charges were made to Rideshare Companies. 
Unauthorized XXXX account debits were initiated. 
The first fraudulent charge at XXXX  XXXX XXXX occurred on XX/XX/year>. 

Solicitation of XXXX XXXX : The loan officer repeatedly suggested receiving a cash tip.

The loan officer offered a " good interest rate '' in exchange for a cash payment. 

XXXX XXXX and XXXX ( XXXX hours later ) : Another loan officer physically blocked me from leaving the premises.

The loan officer demanded that I download a specific app, provide email referrals, and share emergency contact information.

The loan officer used physical positioning to restrict my movement. 

Requested Actions : Full investigation of identity theft and unauthorized financial access Financial restitution for all fraudulent charges Compensation for emotional and financial distress Cessation of harassment and repossession attempts Investigation of bribery and unethical loan practices Enforcement of consumer protection laws to prevent future harm to veterans and other vulnerable individuals I believe that Title Max 's actions constitute predatory lending, financial misconduct, and identity theft. These practices are particularly harmful to veterans, who may be more susceptible to exploitation due to their unique circumstances. I urge your agency to take immediate action to investigate these allegations and hold Title Max accountable for its wrongdoing. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I send {$800.00} to a family member it remained in pending stage, I call Cash App Representative told me to download client remote He ask me my card on file then he said he sees the {$800.00}, he then said he will remote transfer it to a Cash App XXXX  XXXX, after that was done I never received or seen my {$800.00} after that. I filed a complaint over the phone and then again on line with cash app to get my Social Security XXXX money back in my account, my Card on file end in XXXX.

Company response to consumer: Closed with explanation