vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
I HAVE TRIED AND TRIED TO RESOLVE THIS XXXX XXXX ISSUE WITH THEM!!! They also blocked me because they know they are dishonest and provide poor customer service. They continue to deny any solutions to resolve the issues I have explained. They essentially told me to file for XXXX  and depend on someone who will support me, but their employees lack reading comprehension and do not understand subject-verb agreement, which shows that they do not understand that I have no one, no money, no car, or home. I tried to settle several times, but they have been dishonest and denied my attempts. I can not wait to file a lawsuit against these XXXX XXXX. I AM GOING TO KEEP COMPLAINING UNTIL THEY DO WHAT I ASK AND I AM GOING TO TAKE THEM TO COURT IF THIS CONTINUES!!!

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 2024-08-05 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: FL

Complaint narrative:
I HAVE TRIED AND TRIED TO RESOLVE THIS XXXX XXXX ISSUE WITH THEM!!! They also blocked me because they know they are dishonest and provide poor customer service. They continue to deny any solutions to resolve the issues I have explained. They essentially told me to file for XXXX  and depend on someone who will support me, but their employees lack reading comprehension and do not understand subject-verb agreement, which shows that they do not understand that I have no one, no money, no car, or home. I tried to settle several times, but they have been dishonest and denied my attempts. I can not wait to file a lawsuit against these XXXX XXXX. I AM GOING TO KEEP COMPLAINING UNTIL THEY DO WHAT I ASK AND I AM GOING TO TAKE THEM TO COURT IF THIS CONTINUES!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Subject : Request for Debt Validation, Cease and Desist, and Potential Litigation Costs Genesis Credit Management LLC COLUMBIA DEBT RECOVERY Dear Genesis Credit Management LLC, I am writing in response to your recent communications regarding an alleged debt. Please consider this letter a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In accordance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be advised that statements alone are not sufficient evidence of a debt. I require that you provide the following : 1. **Proof of the debt : ** The original signed contract or agreement that substantiates the existence of the alleged debt.

2. **Chain of title : ** Documentation showing the chain of custody or transfer of the debt, proving that you have the legal right to collect this debt.

3. **Itemization : ** An itemized statement of the alleged debt, including any fees and interest accrued.

Additionally, this letter serves as a formal **cease and desist** notice. You are hereby instructed to cease all forms of communication with me regarding this matter, including but not limited to phone calls, emails, and written correspondence. Note that this cease and desist also extends to any reporting to consumer credit reporting agencies. Any report to a consumer reporting agency constitutes a form of communication and should be ceased immediately. Failure to comply will be construed as XXXX. 

Please note the potential costs associated with litigation if you continue to engage in unlawful collection practices, including but not limited to harassment and failure to provide adequate proof of debt. The following itemized costs are provided for your consideration : - **Filing fees : ** {$400.00} - **Attorney fees : ** {$250.00} per hour - **Court costs : ** {$300.00} - **Damages for emotional distress : ** {$5000.00} - **Punitive damages : ** Up to {$10000.00} Please be aware that I reserve the right to take legal action, which may include seeking damages for harassment, emotional distress, and any other applicable claims. 

To avoid further action, I expect to receive the requested validation documents within 10 days of this notice. If you fail to provide the required documentation or continue any form of communication, including reporting to consumer credit reporting agencies, I will pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX , has violated my rights. 
I looked at my credit report on XXXX XXXX, 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
Hi Experian, I'm looking at my credit report today and still seen this inaccurate XXXX XXXX XXXX account. I call XXXX XXXX XXXX  TODAY and they agreed to delete this inaccurate account from my credit report. The XXXX said I should not be responsible for anything about this account t since that account been deleted from their system.

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 2024-08-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I mailed a letter to JP MORGGAN CHASE on XXXX requesting a refund of {$13000.00} for the amount on my statement. CHASE ignored my request and is breaking the law per 15USC1666d. 

15 USC 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to acreditorin excess of the total balance due on an account, ( 2 ) rebates of unearnedfinance chargesor insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, thecreditorshall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by thecreditorand can not be traced through the consumers last known address or telephone number. 

Also per 18 USC 8 explains all debt is the obligation of the UNITED STATES. 

Since the obligation of debt belongs to the UNITED STATES and my account is in the positive/surplus, what and why is CHASE asking me to pay? 

CHASE is acting in bad faith and dishonorably!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
SPS had loan payment XXXX made first payment XXXX XXXXost! now shellpoint wont help with unemployment plan per SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following inquiries were done without my consent. 
I am an XXXX  military member, and requesting that this information gets updated. 
Below are the unauthorised inquiries. Have contacted these creditors and they not have any record of these inquiries in their system with these dates. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am not liable for this debt with LVNV FUNDING LLC. I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexi Nexis are reporting several addresses that do not belong to me or any transactions associated with me. I was a victim of the 2017 XXXX XXXX XXXX where my name, address, and social security was compromised. The following addresses are due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. These addresses are ruining my credit worthiness, reputation and character. Furthermore, the collection from XXXX XXXX XXXX with a account XXXX XXXX balance of {$540.00} does not belong to me or any transactions associated with me. This is a fraudulent collection account. 
I am will continue with the prosecution if these fraudulent addresses are removed form my Lexis Nexis consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I Saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXXXXXX XX/XX/XXXX, This inquiry has XXXX permissible purpose to be on my credit report. Delete this inquiry due to violation of XXXX XXXX XXXX ( b ). 
XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of XXXX ( b ). 
XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX  XXXX inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXXXXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
Equifax information services XX/XX/XXXX ( XXXX ). This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
Equifax XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation XXXX XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due violation XXXX XXXX XXXX ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 has violated my rights. I looked up my Experian credit report on XXXX XXXX, 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if 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 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 supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts 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 2024-08-04 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: AZ

Complaint narrative:
This is the complaint and summons to Experian and XXXX for continuing to report fraudulent accounts that do not belong to be or any transactions associated with my name and social security number. I have attached the complaint and summons from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to this CFPB complaint.

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 2024-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I'm requesting that the late payments in XXXX, XXXX and XXXX, 2023, be removed from my credit report. I take full responsibility for my financial obligations and understand the importance of meeting them. 

Unfortunately, unexpected circumstances such as the XXXX, loss of income, and the construction of our home caused us to fall behind, but my salary has now returned to normal, and I'm committed to making on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I created an account with Robinhood, I made a deposit that I intended to purchase XXXX currency with. The deposit was successfully processed on Monday XX/XX/year> and the crypto purchased the same day, when I tried to transfer the currency I received a message that my account is restricted. Granted this is a new account, all my information was accurate and the deposit was from an account in my name. I have been trying to receive a response since XX/XX/year> on how to access it withdraw my {$800.00}. I have called multiple times and emailed repeatedly and been given no information as to why this happened or how to get my money. They have closed my account and still will not allow me to add my bank or debit card to withdraw my money or given me any information on to how to receive it. At this point I would just like my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b ) ( 7 ). l have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identitication as well as the intormation requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-04 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: AZ

Complaint narrative:
This is the complaint and summons to XXXX and Equifax for continuing to report fraudulent accounts that do not belong to be or any transactions associated with my name and social security number. I have attached the complaint and summons from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to this CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
See attached copy of dispute package sent : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation