vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
Starting on XX/XX/year> and given that NetSpend doesnt offer international transfers I decided to use an external merchant as the service provider for my transfers and I did it using the funds I had on my Netspend checking account, by debit card. Unfortunately, the merchant cancelled the transactions and never refunded back the money. I tried to contact the merchant and the response was always that I should talk to NetSpend because they indeed provided the refunds to the bank. The merchant even sent me the tracking numbers and the cancellation receipts where it was obvious that the bank had the funds. Then, I decided to file disputes for each transaction ( NetSpend doesnt allow to do multiple transactions in just one claim ). More than 20 days later, NetSpend replied with just one email, saying that ALL the disputes were denied because an error didnt occurred. They never provided provisional credit, which makes me think they never even initiated an investigation for my claims. When I call to ask for the reasons why they denied my disputes they refused to provide any information even though I said I had the right by law. I am totally convinced that the merchant indeed returned the money to them and they kept it and now they are refusing to give any sort of information. It is important to not that I sent every single document they asked for and I wrote the letter they also asked in order to provide provisional credit in 10 days ( which I never received )

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 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX : Company Name : LVNV Funding LLC Address : XXXX XXXXXXXX XXXX XXXX, SC XXXX Phone Number : ( XXXX ) XXXX Subject : Complaint Against LVNV Funding LLC for Violating Consumer Protection Laws Date of Incident : XXXX  Type of Debt : Credit Card Amount in Dispute : {$3500.00} Complaint Narrative : I am filing this complaint against LVNV Funding LLC for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : LVNV Funding LLC has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from LVNV Funding LLC, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : LVNV Funding LLC has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt amount is incorrect. 

Contacting Me After Being Informed of Attorney Representation : I informed LVNV Funding LLC that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : LVNV Funding LLC has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score. 

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but LVNV Funding LLC failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
Over the past two years, my credit rating has dropped XXXX points due to a poor rating from Navient Student Loans, now Aidvantage. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported XXXXhe following monthly payment to XXXX, XXXX and XXXX as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the 3 credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, XXXX and XXXX. About 5 days later, the 3 credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the 3 credit bureau. Essentially, the 3 credit bureaus and XXXXAidvantage are not taking responsibility for the incorrect information that dropped my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ARE GIVING ME STRESS, THESE ARE ALL UNAUTHORIZED AND NOT MINE, PLEASE HELP ME WITH THIS.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: VA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I switched insurance companies in XX/XX/XXXX. I sent proof of insurance to New Rez Mortgage on XX/XX/XXXX, twice on XX/XX/XXXX, and again on XX/XX/XXXX. I also spoke to them on the phone about the insurance ( though I did not record the date ). The first time they received my insurance documents was by email, the second time they received it by email AND the insurance company faxed them the documents directly, the third time was by email again. In spite of the fact that I sent them the required insurance information four times on three different dates, I received multiple letters in the mail claiming I had not provided proof of insurance, and threatening that they would buy a more expensive insurance FOR me. They then fraudulently carried through with purchasing their own insurance for my mortgage when they had already been provided proof of insurance four times, and are now charging me for insurance that I do not need and did not purchase for myself. I emailed both their insurance division and their customer service and received no response or acknowledgement from either of them. When they first took over the loan in XXXX, the same thing happened- they claimed I had not provided proof of insurance, and again on that occasion I had to email, fax, AND snail mail them the documentation before they finally recorded it.

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 2024-09-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-26 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:
XXXX  - XXXX Collection {$290.00} I am filing this complaint because I have noticed a collection account on my credit reports that I do not recognize or have any knowledge of. The account is inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of this erroneous account, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following a careful examination of my recent credit report, I noticed various accounts that appear to be erroneous and were added without my knowledge.

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 2024-09-26 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: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX  XXXX ), ( XXXX XXXX ) XXXX XXXX XXXX XXXX ) has violated my rights I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: SC

Complaint narrative:
I am writing to formally file a complaint against LVNV Funding for failing to adequately validate a debt after I requested specific information under my rights as a consumer. 

On XX/XX/24, I formally requested debt validation from LVNV Funding as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the following : 1. Their license to collect debt in my state.

2. The chain of custody for this alleged debt ( i.e., proof of transfer and ownership ).

3. The original purchase agreement In response, LVNV Funding provided me only with a summary of the account, which does not meet the requirements of debt validation as stipulated under federal law. 
FCRA and FDCPA Violations : LVNV Fundings response does not comply with the requirements of proper debt validation as per the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Under the FDCPA, debt collectors are required to provide proper validation of the debt, which includes sufficient evidence that they have the right to collect on the debt in question.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate or incomplete information reported to credit bureaus. By failing to properly validate the debt and continuing to report this debt to credit agencies, LVNV Funding is violating my rights under FCRA. 
I am formally requesting that : 1. LVNV Funding provide all requested documentation, including their license to collect in my state, chain of custody for the debt, and the original purchase agreement, as part of the debt validation process. 
2. This account be removed from my credit report if LVNV Funding fails to provide the required validation documentation.

3. Any further collection attempts be halted until they provide sufficient validation of this debt. 
Request for Action : I respectfully request that the CFPB take immediate action to investigate this matter. LVNV Funding has failed to meet its legal obligations under the FCRA and FDCPA, and I ask that this debt be deleted from my credit report due to their inability to validate it according to federal law. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX  {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX  XXXX BAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at numerous credit card companies. This fraudulent account consist Jefferson Capital System which was opened XX/XX/year>. This account have resulted infraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation