vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Requested debt validation, and current status on XXXX shows it has been over 30 days. No knowledge of alleged debt and creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: LA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-05-06 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: FL

Complaint narrative:
I received a look at my credit reports and there were collections reporting on my credit bureau all of them. I have been flagged for Identity theft and believe I have been as always a victim of identity theft. I have sent out validation letters to these collection companies who stated I owe them and LVNV has not provided complete validation to the collection agency which is a 2nd collect company called Resurgent trying to collect a debt from me and has this debt placed on my credit reports. I have police reports in the past and affidavits of being a victim of identity theft. I have disputed the validity of this debt on XX/XX/2024 and received a notice from this Resurgent Capital services stating a 4 digit account number, original creditor ; XXXX XXXX XXXX Current owner another collection company LVNV funding, LLC with a reference # and a balance said I owe {$1100.00}, account holder name stating this is me. I have not received a copy of the contract with my signatures authorizing this agency or original creditor to collect on this debt. There is no date of first delinquency, payment history is not included or signatures of me stating this is my account. There are several account number pertaining to this account but none showing I'm obligated to pay this debt to this agency or signatures which belong to me stating I authorize applying for this debt. There's nothing from the original creditor that tells this agency to collect a debt from me. The current owner is another collection agency named LVNV Funding, LLC which is an collection company not the original owner. There is an statement of account summary and transactions I'm not aware of. As stated above there were a validation letter sent out to properly validate this debt stating and obligation to pay this debt to this agency. This information that was sent to me is very much inaccurate and does not belong to me. The addresses listed on my credit report under this agency regarding my personal information listed does not pertain to me and never was authorized to use on my personal information. I have an existing fraud alert on, my reports and just recently reviewed my credit reports discovering that my personal information may have been compromised and these are not my charges or authorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
2022 my wife passed, instead of fileing bankruptcy I tried a debit reduction program, bad mistake, I didn't know they only worked with XXXX account at a time, after XXXX months I started seeing late payments and interest still being added. LVNV Funding bought XXXX of my accounts XXXX XXXX XXXX XXXX cards that was being paid by XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX I have all XXXX creditors that XXXX was paying in collections on my credit report. 
I'm trying to get LVNV Off my report they are trying to get me to pay for the amount XXXX XXXX have and are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Last year after paying government taxes, we struggled to make a payment on our loan. We attempted to do a loan modification with XXXX XXXX at which time they started the process and no payments were required to be made. They claimed to have approved my request but I never received paperwork and it was taking an extremely long time at which point I decided to make my full amount owed and bring the account current. They are now stating I missed two payments in XXXX and XXXX ( all during the modification process ) and this is hurting my credit and our attempt to take out home equity. If you look at XXXX  month trending data on my loan, you will see that my payments are always made and never more late than XXXX  days except for that loan modification timeframe which payment wasnt even required. I am requesting for it to be removed ASAP so that we can move forward properly on getting our home equity. 

Also they claimed to have placed me on a forebearance which that was never something I requested.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX, & XXXX continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this information.

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 2024-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Account Systems of Omaha, LLC
State: VA

Complaint narrative:
I sent a validation letter on XX/XX/XXXX. NAS Omaha received the letter XX/XX/XXXX it's been over 30 days and I haven't received a letter from 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
Consumer complaint received 2024-05-06 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: LA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2024-05-06 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan North America is currently jeopardizing my legal rights. Any harm inflicted upon my legal entity is, in turn, causing harm to myself, XXXX XXXX XXXX. Failure to adhere to the appropriate procedures implies consent to the terms and conditions outlined for the concerned individual involved in the ongoing legal proceedings. This situation is of utmost gravity, and as a consumer, I was not provided with full disclosure. I have received a cease and desist notice regarding an unsubstantiated claim. As the rightful note holder and XXXX lien holder of XXXX XXXX XXXX, the life claimant, I assert that the vehicle in question has been fully paid for and purchased on credit. 

NMAC 's actions are a deliberate infringement upon my consumer rights. I demand that they rectify the inaccuracies in consumer reports and cease all media communications and collections until the conclusion of the ongoing litigation. Your cooperation in this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: WV

Complaint narrative:
My account was in forbearance. I made a payment and was told not to make XXXX because of the state my account was in at the time. Now I have Nelnet reporting a late payment on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

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 explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FourLeaf Federal Credit Union
State: SC

Complaint narrative:
I paid of my HELOC loan ( not closed the account paid of the balance ) on XX/XX/XXXX and XX/XX/XXXX. The intent was to pay off the balance and not close the HELOC line of credit. I was told to monitor the account to see if any charges show up and i can pay it off and i don't need to pay anything else. I was monitoring the account and i didn't see any charges on my account am attaching the statement balance for XXXX and XXXX. Suddenly they accessed me for a late charge in XXXX and reported credit bureau my account is past due which has impacted my credit score a lot. It has gone down from XXXX to XXXX. I contacted them but no one picks up the call left them a voice mail, sent them email no one responded back yet so am filing a compliant. 

Note : I paid off the balance on XX/XX/XXXX after I learnt that I had a balance due for {$100.00} and the statements never mentioned about any balance due Documents Attached : XXXX : Statement for XXXX XXXX : Statement for XXXX Bethpage_Balance : Snapshot from my online Portal Please feel free to let me know if you need any other documentations

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Last year after paying government taxes, we struggled to make a payment on our loan. We attempted to do a loan modification with XXXX XXXX at which time they started the process and no payments were required to be made. They claimed to have approved my request but I never received paperwork and it was taking an extremely long time at which point I decided to make my full amount owed and bring the account current. They are now stating I missed two payments in XXXX and XXXX ( all during the modification process ) and this is hurting my credit and our attempt to take out home equity. If you look at 24 month trending data on my loan, you will see that my payments are always made and never more late than 30 days except for that loan modification timeframe which payment wasnt even required. I am requesting for it to be removed ASAP so that we can move forward properly on getting our home equity. 

Also they claimed to have placed me on a forebearance which that was never something I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

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 explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/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 XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: OH

Complaint narrative:
I have yet to receive the funds from the closed Business account, and I am formally requesting that the funds be transferred to the bank account ending in XXXX associated with it. 

Amount due to me {$650.00} Name : XXXX XXXX XXXX Name : XXXX 's Computer Service Email : XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation