vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: MS

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CT

Complaint narrative:
JEFFERSON CAPITAL SYSTEM with XXXX XXXX XXXXXXXX. JEFFERSON CAPITAL SYSTEM fraudulent optiain my information is their system and reporting fraudulent/ inaccurate information to the credit bureau which is causing me severe harm, 15 U.S. Code 1681q - Obtaining information under false pretenses. I never give JEFFERSON CAPITAL SYSTEM any permissible purpose to obtain my information without Consent. They obtain my information without my consent which is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
On XX/XX/XXXX, I received an email from what appears to be Resurgent Capital Services with the subject " [ My name ], your account has a new home. '' The email describes a debt over {$800.00} that was sold in XXXX of XXXX. The email doesn't include any option to dispute the debt. I've included an attachment of a pdf of the email. 

I have no knowledge of having any unpaid, outstanding debt. I checked my credit report with XXXX on XX/XX/XXXX and verified that I have nothing in collections and no outstanding balances. I have never previously received any communication via phone, email, or letter in the mail regarding this debt in my entire life. This is my first communication from Resurgent Capital although they state the debt was purchased over a year ago. 

The email contained the following message : " Hi! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account. 

The account ending in XXXX was sold on XX/XX/XXXX and LVNV Funding LLC is the new owner of your account. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services. 

We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too! 

To get started, simply click on the button below to see all your options. You can also speak with a member of my team if you have any questions. 

Please review your account details below. 
Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$800.00} "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

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 2024-03-12 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

LVNV FUNDING LLC 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 2024-03-12 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
This company calls via autodialers from spoofed phone numbers and unregistered phone numbers. They leave aggressive voice-mail. A " XXXX '' told me today she was sending over legal documentation to my employer to shame me into paying them a debt that they said they do not own but another company that allegedly does from what they have accessed on my credit report. They provided me with all my personal information and said they are not obligated to send me anything claiming to have sent dent validation through text message, email and postal mail. After I informed them I never received Debt Validation from them via postal mail they said they actually don't do that but can send me an email with a link for an account they created in my name for me to pay them rather than the debt collector on my credit report that they arent associated with. They threatened to then sue me and my employer and ruin my credit ; continously refused to confirm they were going to send postal mail debt validation and that they would keep harassing me until I pay up because they ran my credit and can see " the other debts you have and we got you nailed down ''. They also did not start the call off with notice that they are a debt collector and they were the ones that provided me with my personal information including reading off to me my social security number. They did claim they bought the information but that they arent the debt collector on it, but that I can just pay them and they will make sure it goes to who needs it, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

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 2024-03-12 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed. to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and 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 2024-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
As a XXXX  for 10+ years. I will not EVER use navy federal for lending. I have tried twice personally myself to get loans from them once XXXX XXXX and years ago before XXXX. Its a long and drawn out process and it seems they look for ways to figure out why they shouldnt give you a loan rather than should. I recently applied for HELOC loan and was denied. I didnt get a curtesy call to discuss why but only a paper saying unable to verify income. When in fact I have W2 {$90000.00} job as a XXXX  additionally make XXXX from tax money with XXXX No bills other than two mortgages with one I have Tennant in place making XXXX net income. Second reason form say credit application incomplete. My credit score average XXXX and I was a travel nurse previously before W2 job. So both of these I am left with explanation. I was told by XXXX over the phone if they cant contact a job from XX/XX/XXXX given its year XXXX from a contract agency job they can deny my application. But as a Realtor I know people can also get a brand new job without working in that field and apply for loan and get approved. I asked for policy on that and she said they wont give me standard policy they use on it. Everything else is ok with navy federal service except for the loan sector. Me with A credit scores and making XXXX a year get denied for a loan. Only bills they can say i have to my name is two mortgages again with one being rented out but even with two mortgages my DTI is still low enough. I can only imagine what others go through. 

I do plan to seek legal proceeding with this to be sure Navy Federal changes their discriminatory Lending practices. This is a general publicly lending Compnay and they cant just pick and choose who they offer loans to. This isnt a local private lending company. XXXX XXXX deserve better service than this from a member owned and funded company. I have had way way better service from various other loans my clients and I obtained from other credit unions. This is my second time applying for loan with Navy federal credit union. The first time years ago they said I had a DTI of 99 %. Then I said you know these properties I said I owned are rented out right. This was after they said they denied me. Per the lady words after denial said Oh I didnt know you had these rented out. I did indeed inform her of this already. What reasonable person would even put themselves in a 99 % DTI situation. My credit score and application clearly shows I had multiple mortgages with no late payments. So this could have been asked before just flat out deny me and say apply again later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account is not reporting accurately on XXXX account XXXX and it is causing a hardship for me in getting our home. Initially, it was removed from my credit in XXXX of 2023 and all of a sudden they put it back on my credit. I contacted XXXX, XXXX, and Transunion to remove and there was no help or response.

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