vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
XX/XX/2024 XXXX received a collection letter from Source Receivables Management LLC. She responded that it was not her account not her debt. XX/XX/XXXX they sent a letter indicating how she should get ahold of XXXX XXXX. She responded to XXXX XXXX. Source turned account into Credit Bureau having an adverse affect on her credit rating. She disputed this with XXXX and they allegedly verified the account with Source and left it on her credit report. 

This was never XXXX XXXX account and no one will provide copies of the fraudulent documents for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
The collection agencies National Credit Systems with account # XXXX has engaged in false and misleading practices violating FDCPA 807. Since my dispute Ive gotten 2 vulgar and disgusting emails from someone requesting money associated with that address on XXXX XXXX. In which I find very disturbing and strange to all of a sudden receive after disputing Nation Credit Systems. Which violated law 15 USC 1692. The fact that they have my information without me signing paperwork with them means they got my info without my consent. That's called FRAUD. Furthermore providing misleading forms violating FDCPA ( 812 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2024-10-20 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: GA

Complaint narrative:
XXXXTransUnion and XXXXThese 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.

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 2024-10-20 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: GA

Complaint narrative:
XXXX and Equifax-These 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV funding is listed as the original creditor on a collections account on my credit report. I have never opened an account with them. They have failed to ever provide me with the original contract with my signature stating that I ever agreed into any payment agreement or have ever opened any account with them. If they are collecting on behalf of another company then they have now inaccurately reported on my credit report by listing themselves ( LVNV Funding ) as the original creditor, and not who their collecting on behalf of as the original creditor. Due to these inconsistencies, I want this derogatory remark completely and immediately permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Team, I am writing to formally lodge a complaint against the credit reporting agencies, Experian, XXXX, and XXXX, for their ongoing violations of the Fair Credit Reporting Act ( FCRA ). It appears that these credit bureaus have decided to disregard the law due to their own greed, failing to provide accurate and complete information regarding my credit accounts, which constitutes a violation of Section 607 ( b ) of the FCRA.

Furthermore, I am requesting proof of any previous investigations conducted regarding my complaints. I would like to know the methods used in these investigations and request all records of communication with the lenders involved, including : 1.The contact information of the lenders ( name, address, and phone number ).

2.Documentation that substantiates any claims regarding late payments on my accounts.

Please provide this information within 10 days. If you are unable to furnish the requested documentation in this timeframe, I ask that my account be updated to reflect a status of PAID/LATE. 
Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX is the only bureau that is reporting as paid on time. 

EXPERIAN AND XXXX A REPORTING IT WRONG

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 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I XXXX XXXX am writing a formal complaint to the Bureau, who has jurisdiction over this matter under sections 1053 and 1055 of the CFPA 12 U.S.C. 5563 and 5565, Section 814 ( b ) of the FDCPA 15 U.S.C 16921 ( b ), and Section 621 ( b ) ( 1 ) ( H ) of th FCRA, 15 U.S.C 1681s ( b ) ( 1 ) ( H ). MIDLAND CREDIT MANAGEMENT, their attorneys, servants, and agents have made several false representations to me a consumer regarding an alleged debt.. MCM in concert with their attorneys filed a frivolous claim for an alleged debt allegedly owed to XXXXXXXX XXXX in the XXXX District Court of XXXX XXXX on XX/XX/XXXX XXXX MCM brought an action against me falsely representing the amount and status of an alleged debt. They never provided me with a debt validation notice, MCM communicated with me without my consent, MCM and their attorneys filed a legal collection lawsuit without providing verification for the alleged debt, refused to provide me with the verification information in regards to the alleged debt that I requested, they are reporting false and inaccurate information on my consumer report, their attorneys falsely represented themselves as attorneys when they are debt collectors, MCM and their attorneys created and furnished misleading forms and affidavits, and the falsely represented the fact that they were legal debt collectors when they don't have a debt collectors license as the state of Michigan requires. Their conduct is abusive, oppressive, harassing, defaming, intimidating, and it causes me emotional distress. Their actions are grossly negligent and violates several provisions of the XX/XX/XXXX CFPB consent order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has 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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I have been receiving non stop calls from a debt collector comenity bank. Since XX/XX/year> they have called me and left voice-mail over 45 times. They call as restricted and leave voice-mail. They call under different numbers and leave voice-mail. I have attached screenshots of the calls. They are from various numbers. Different names. Blocked calls. Calls i couldn't even call back. And they are all from Comenity Bank. Reason I know this is because they leave me voice-mail saying it is extremely important to call back before this ends up in legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: TrueAccord Corp.
State: PA

Complaint narrative:
I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : XXXX XXXX ) ( Collection Agency : TrueAccord Corp. ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I have contacted ( Original Creditor : XXXX XXXX ) ( Collection Agency : TrueAccord Corp. ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian charges me {$24.00} a month for a service I did not sign up for. I have called numerous times to cancel and they do not do it. It is impossible to speak to anyone on the phone.

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 2024-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
TRIED TO MODIFY, SPS SERVED WRONG PERSON FOR MODIFICATION SEE PAPERWORK, IN PROCESS OF XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a customer with XXXX since XXXX and this is my second car with them. I began to lease my XXXX XXXX XXXX sport in XX/XX/XXXX and throughout that time I did not have any issues with payments. At the end of XXXX I had lost my job and I had to relocate therefore the payments fell behind for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After that setback I was able to catch up on payments and regain a good payment history. I then moved to Ga and in XXXX when my lease was up on my XXXX XXXX rogue sport, I took it to XXXX XXXX XXXX XXXX XXXX to refinance my car to keep it. During that process I am not sure what happened but I then received a notification for another late payment for XX/XX/XXXX. I called XXXX XXXX acceptance and they stated that this was an error and that I should reach out to XXXX XXXX to have them send a letter to them stating the mistake. I called XXXX XXXX as I was told and then proceeded to follow up with XXXX XXXX. Per XXXX XXXX, the rep stated that It would take at least XXXX days to update but there has been absolutely no change. I have called and written letters to XXXX XXXX for this issue on multiple occasions. My last attempt was a letter requesting adjustment for the late payments. I did not get a contact back and it is over the XXXX day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In proper use of my information per Privacy act 5UCS XXXX XXXX Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Addresses 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 XXXXXXXX Inquires 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, Enclosures Proof of identity

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, Enclosures Proof of identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING ( XXXX XXXX XXXX XXXX ) in the amount of {$460.00}, account opened XX/XX/year>. I am requesting that this item be removed as I am the victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: VA

Complaint narrative:
Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Account # : XXXX Dear Sr : 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally lodge a complaint against Equifax Information Services LLC for their failure to adequately respond to multiple inquiries regarding unauthorized changes to my address on my credit report. These unauthorized changes occurred on XX/XX/year>, and XX/XX/year>. 

I have filed several disputes with Equifax to investigate the matter, under the following dispute numbers : XXXX, XXXX, XXXX, and XXXX. 

In each instance, I specifically requested information on the creditor or entity responsible for initiating these unauthorized changes to my address. However, despite multiple requests, Equifax has continuously failed to provide this critical information. Instead, their responses have been irrelevant to my requests, dodging my direct inquiries about the identity of the creditor involved.

This pattern of avoidance is concerning, as the unauthorized changes have affected the accuracy of my credit file, and the lack of transparency on the part of Equifax has further exacerbated my frustration with this matter. I am now seeking the assistance of the Consumer Financial Protection Bureau to ensure that Equifax complies with its obligations to provide me with the information I am entitled to under the law.

Please help facilitate a thorough investigation into this issue, and hold Equifax accountable for their failure to respond appropriately to my requests.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation