vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter.

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated.

2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law.

3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to.

4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with the purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian 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 ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$74.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$700.00}

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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: FL

Complaint narrative:
On XXXX XXXX added funds of {$150.00} to Dave checking  acct from connected XXXX acct. It was deducted from XXXX that afternoon as a completed transaction never in pending status. Dave bank info on app said it was in pending and would arrive XX/XX/year>. On the XXXX it was still in pending and called and man said could take up to 5 days. I asked why there app clearly said XX/XX/XXXX. He acted like I was making it up and had no knowledge of that and disconnected call. I then started a chat showing screen shots of there all and chime account showing funds transfered on XXXX. Was told the would escalate it. I have submitted ticket to get more info with no reply but a ticket #.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. I would like a purchase agreement.

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated.

2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


XXXX. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to.

4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
So I have a sofi account I received a wire about a year ago for {$260000.00} and deposited a cashier check {$10000.00} So after I used somemoney of the XXXX wire and the check there is {$9800.00} left in the account and they froze my account and they saying im not entitled to the funds and it will be returned to the original originator its been over a year they keep saying that. I just want my money and close my account Thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
Personal Statement To whom it may concern, I am asking that all disclosure forms that I signed to have my non- public information be provided from the above companies stating that I cave permission tor any or my transactions and or experiences with the creators to be reported to any outside third party including but not limited to XXXX XXXX XXXX XXXX and TransUnion.. According to 15 US Code S 6801 addresses the protection of non public personal intormation and accordina to non public intormation All late tees are included according to the law. Non publi personal intormation is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. There is a continuous obligation to respect my privacy and transactions.. Please remove upon an immediate basis. Thank you XXXX XXXX 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 2024-12-01 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:
Personal Statement To whom it may concern, I am asking that all disclosure forms that I signed to have my non- public information be provided from the above companies stating that I cave permission tor any or my transactions and or experiences with the creators to be reported to any outside third party including but not limited to XXXX XXXX Equifax XXXX and XXXX.. According to 15 US Code S 6801 addresses the protection of non public personal intormation and accordina to non public intormation All late tees are included according to the law. Non publi personal intormation is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. There is a continuous obligation to respect my privacy and transactions.. Please remove upon an immediate basis. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Comenity/XXXX  XXXX  bought my credit card after XXXX XXXX XXXX went out of business XXXX. Since the buy out the balance has NOT gone down and card has not been used since XXXX. I have only made payments. 
About 6 months after they took over, I was unable to access their website, so I called the number on their site and tried to get them to fix the situation ( it was never resolved. They set up a new system called XXXX XXXX  where I can type in my account number and my last 4 digits of my social, so I called them for my account number..they REFUSED to give it to me! I requested a credit report through XXXX and that is how I obtained the number. This resulted in a late fee which they did not remove. My next payment is due on XX/XX/XXXX I have NOT REVIEVED my email for payment and they have AGAIN made the site unavailable for payment! I called their number and it will not let me reach a live person. I believe this company is a fraud and is stealing money as I said before, my payment has not gone down in the year they have had my account! I think I have well paid off the {$4000.00} owed and do not feel like I need to make any further payments not that they will allow me to anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) received a " Cashiers Check '' ( Check ) made payable to the XXXXXXXX XXXX XXXX XXXX XXXX Account. The Check was for expenses in conjunction with a transaction that I was acting as lawyer. I deposited the check into my XXXX Account the same day. First Interstate Bank XXXX XXXX credited the account with the entire amount of money that day. On XX/XX/year> I was sent wire instructions from my " XXXX '' to wire money to certain people in conjunction with the transaction. On the same day, I went to the bank to wire the funds. Before authorizing the wire, I asked the bank employee if the Check was good and the funds available. She said the funds were good. On XX/XX/year>, I received additional instructions to wire additional funds to others in conjunction with the transaction. I did so based upon the representations of the bank employee that the funds were available. In total I authorized {$150000.00} to be sent because the First Interstate Bank represented that the funds were available. On XX/XX/year> the First Interstate Bank was notified that the Cashiers Check was altered and fictitious. I was notified on Monday XX/XX/year> of the fraudulent check and ordered to cover the loss in the account. I covered the overdrawn account. I demanded to be made whole because the bank recognized the funds before they knew that the funds were real. I was denied my request. I believe the bank has the ability and authority to determine the validity of a cashier 's check and should not have credited the funds until it knew the funds were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: AZ

Complaint narrative:
I wrote a letter to Transunion on XX/XX/year> requesting documentation and a copy of any contract signed by me that would support this collection. They have not responded and are in violation of the FCRA sections 609, 610 and 611 as noted below and on attachments. 609 ( a ) ( 2 ) they have not provided sources of information on the collection. 610 ( c ) They do not have trained personnel to explain the information they provided. The phone number does not have a selection to speak to a human and no option for call back. 611 ( a ) ( A ) They have not deleted the item which has no proof of validity. They respond the it was verified but have not provided any documentation or details. 611 ( a ) ( B ) They have not provided the reasons for the determination. 611 ( 2 ) Have not considered my information provided. They come back with a boilerplate response that the item was validated. 611 ( 3 ) ( A ) They are unable to validate the item, but have not removed it from my credit report. 611 ( 3 ) ( B ) ( iii ) They have not provided a description of the procedure used to determine the accuracy of the item as I requested repeatedly. 611 ( 4 ) They have not provide a description of the reinvestigation procedure.

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 2024-12-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
This is the third time I've filled out a loss mitigation and was denied all three times from the same person because she believed I have the ability to repay my loan. I just received the third denial letter on XX/XX/2024. I am behind on my mortgage over {$4000.00} ans have been trying to get assistance before my home goes into foreclosure. I have read some XXXX reviews and some reviews of those who have received assistance the first time they requested without any issues but yet I'm asking/seeking for help so that I don't loose my home and I feel as if I'm being a victim of impartiality. This is not right, I have been spoken to harshly as if I'm wrong for having issues. If this was them in a situation they would want to be treated fairly and I'm not getting fair treatment after 3 times and record phone conversations. I have tried and pleaded for help and none given. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they tell me you need to apply for XXXX and thay my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple times and we have fallen behind. I have a son who is XXXX  and I need to be able to get to the school when needed and I have a XXXX XXXX XXXX XXXX and in the midst of that I'm looking for work from jobs but no slack from Vanderbilt Mortgage company, only disrespect. I even told them I would send over my medical records and they denied it and somehow made a decision based on what they believe I can still do. If that was the case why do I need or why am I looking 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 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX has added a XXXX debt to my credit report that dates back to XXXX. I didn't move into to complex and no furniture was ever placed. I leased the apartment while XXXX  and went into the hospital and never actually moved in. I have asked to show proof how this amount is owed. I paid the NSF off with the bank for deposit and XXXX months rent. How would I owe XXXX? Can a company wait 5 years to place such a debt and never once notified you of the so-called debt. I would like this removed off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohl 's department store calls twice a day 7 days a week from a debt that is over XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief