vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, Authorized Agent, XXXX : XXXX sent the following correspondence : CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Financial Officer LVNV FUNDING LLC d/b/a RESURGENT CAPITAL SERVICES LP ( " LVNV '' ) c/o XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Re : Alleged Debt Account # : ending in XXXX XXXX XXXX, This instrument is a NOTICE OF DEFAULT IN DISHONOR AND CONFESSION OF JUDGMENT upon the following instrument presented in a private communiqu : NOTICE OF ALLEGED DEBT DISPUTE mailed on or about XX/XX/XXXX via U.S.P.S Certified Mail Article No XXXX XXXX XXXX XXXX XXXX XXXX and received by your offices on or about XX/XX/XXXX. 

Your failure to respond with the CREDITOR DISCLOSURE STATEMENT as requested in said Notice, providing your verified PROOF OF CLAIM in the form of a sworn rebuttal affidavit, under your full commercial liability, signing under the penalty of perjury that the facts contained therein are true, correct, complete and not misleading, is taken as agreement to your commercial dishonor, XXXX XXXX, exhausting my administrative remedies. 

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act ( FDCPA ) is construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

******* LVNV moved forward and took legal action against the Beneficiary of the XXXX XXXX XXXX XXXX ( " Principal Debtor '' ) and secured a default judgment for a wage garnishment of the Beneficiary property. 

On XX/XX/XXXX, we sent a Notice To Cease and Desist ( Contract ) via U.S.P.S. Priority Mail Express XXXX. XXXX XXXX XXXX XXXX XXXX as our good faith offer on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to give their client an opportunity to cure its breach of trust and voluntary dismiss the case in light of LVNV 's egregious violations of 35 violations of the FDCPA and the FCRA as well as the State of Florida Statutes Titles XXXIX and XLII, 18 U.S.C. 1341 and 1342, 18 U.S.C. 241, 15 U.S.C. 1 and 2 and Beneficiary 's 4th amendment rights to the Constitution. 

On XX/XX/XXXX, XXXX garnished Beneficiary 's check in the amount of {$1400.00} for an unvalidated debt based on a fraudulent default judgment secured by XXXX on behalf of their client LVNV. 

XXXX XXXX XXXX and XXXX are complicit in this fraud upon the court and acting as a debt collector is subject to the FDCPA and FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-29 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-29 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My student loan servicer is Aidvantage, and I have been trying to get them to honor my automatic enrollment into the XXXX XXXX, as I was previously on the XXXX XXXX. They are telling me I am obligated to re-apply for XXXX, and will not honor the fact that my loans were in XXXX all through the pandemic. 

I most recently certified for XXXX  in XXXX, receiving confirmation from XXXX XXXX on XX/XX/XXXX that I was in the XXXX plan, and that my payment would be {$430.00}, first due on XX/XX/XXXX. During the pandemic, I paid down my loans considerably. Even paying them off for a short period of time. I required that money back, and so asked for Aidvantage to return the payments I had made on XX/XX/XXXX. 

With my loans re-instated at Aidvantage, they now have my monthly payment amount correctly carried forward into the XXXX XXXX  - I owe {$380.00} per month which is in line with my expectations of the XXXX XXXX XXXX adjustment. However, they have my loan payment plan as " 10 Year XXXX XXXX ''. 

I have called and messaged them multiple times asking that they change my repayment plan in the system to SAVE, since clearly they have calculated my payments. I also read them the following section from studentaid.gov - " Were you on an IDR plan before the payment pause began? If so, you will stay on that same plan when payments restart ( unless youve changed repayment plans since then ). '' ( XXXX XXXX XXXXXXXX ). 

Despite me sending them that information, they have told me that I am obligated to recertify for XXXX, and would not provide a reason why. 

As a result, I am not receiving the interest subsidies under the XXXX XXXX, costing me thousands every month. Also, the payments I am making will not count towards XXXX forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-29 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-29 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
I created a personal Wise ( formerly Transfer Wise ) account ( date unknown - early 2023 ) and the account was deactivated without any reason or notice during XX/XX/2023. On the XXXX of XXXX, 2023, I appealed the decision. The only response I received was an automated response that stated that the Wise team will reach out in XXXX working days. To this date I haven't receive any updates. I asked for an update on the XXXX of XXXX, 2023, no response from Wise. During this time, I registered an XXXX in XXXX and proceeded to open a Wise Business Account under my business email. This account was deactivated ( with funds in the account ) sometime this month, I only realised it when I tried to login on the XXXX of XXXX, 2023. Since it's been about 130 days since my first appeal and still no answer, I decided to contact customer support directly. The initial response was quick, stating that customer support can not provide any info and the only thing that I can do is to appeal. I responded and requested contact information for the manager and/or someone in the appeals department, since the appeals team doesn't respond within the stated 20 working days. I received no response and have asked for and update two times after that, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
I had several fraudulent charges show up on my Apple Card including charges from international retailers. I contacted Apple Card support about the fraudulent charges and they provided a provisional credit while they investigated. XXXX of the charges they were investigating were for XXXX. Following their investigation, XXXX of the disputes was decided in my favor. However, the second one was not decided in my favor. I asked why it was not decided in my favor and they claimed that it was because I already received a credit for the charge on the other dispute and believed it was the same charge. However, the charges were for XXXX different amounts and I did not make either charge. Furthermore, I never heard of XXXX so I googled it and the website appears to be fraudulent. I tried to contact them via their email they had posted but never received a response. I appealed their decision and provided proof that they were XXXX separate charges for XXXX different amounts but they decided in the merchants favor again. I tried to dispute it again and they say it can not be disputed again. However, I did not make a purchase at XXXX for {$1000.00} and should not have to pay for a charge I am not responsible for. Especially such a large fraudulent charge. 
The charge was initially made on XX/XX/XXXX and was disputed through the card company and appealed. On Monday XX/XX/XXXX, they decided the appeal in the merchants favor but I never made the charge. Apple Card also refused to provide any information on why the dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express allows you to open an account online, but you can not close your account online. You have to do it in a call or on a chatbot, where you suffer signifiant delays and an interrogation as they try to convince you not to cancel. 

It should be as easy to cancel an account as it is to open one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I deposited a personal check on XX/XX/23 via my cell phone and online banking app for XXXX dollars ; the money was then removed from the XXXX account and placed in savings at my bank. My bank put a fraud alert on it. I supplied all the documentation they required and they still will not lift the fraud hold so I have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TX

Complaint narrative:
XX/XX/2023 I noticed a credit inquiry dated XX/XX/2023 on my XXXX Credit File. The inquiry from CredCO/XXXX XXXXt states it was a " XXXX XXXX '' inquiry. I did not complete a real estate application with CredCo/XXXX XXXX on this date or any other date. 

I called CoreLogic Credco at XXXX to dispute the inquiry and their message said their phone system is not working to call back late. I tried their website and was not able to submit a request for assistance.

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 2023-09-29 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: NC

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 non-monetary relief
Consumer complaint received 2023-09-29 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: AL

Complaint narrative:
I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights several times with no repercussions. I demand the accounts listed below be removed because, According to the law which Equifax disregard, 15 USC 1681 I have the right to privacy and I did not give Equifax written permission which is required by law from the consumer to furnish any these accounts and they dont have permissible purposes to do so as stated in attachment. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is 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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: FL

Complaint narrative:
I and my husband XXXX XXXX are victims of Identity theft. Our information has been stolen and used without permission.

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