vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

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 2024-06-18 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: OH

Complaint narrative:
I am writing to formally lodge a complaint against Resurgence Capital and LVNV Funding regarding the persistent and unlawful attempts to collect a debt that is not mine. I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation and halt these inappropri

ate collection activities. Details of the Complaint : 1. Debt Collectio
n Contact Violations : Resurgence Capital an

d LVNV Funding have repeatedly contacted me regarding an alleged debt, despite my clear communications indicating that the debt is not mine. This continuous contact is in direct violation of 15 USC 1692c, which outlines that a debt collector may not communicate with a consumer if the consumer has informed them that the debt is disputed or if the consumer has requested the cessation of communication. 2. Failure to Validate
Debt : Upon initial contact from Resurgence Capital and LVNV Funding, I promptly requested validation of the debt, as is my right under 15 USC 1692g. Despite my request, they have failed to provide any substantive proof that the debt in question is indeed mine. This failure to validate the debt is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Specific Violations Cited : 15 USC 1692c ( c ) : Communication in connection with debt collection - Ceasing communication. Resurgence Capital and LVNV Funding continued to contact me despite my request to cease communication.

15 USC 1692g ( b ) : Validation of debts. Resurgence Capital and LVNV Funding failed to cease collection of the debt until they provided proper validation of the debt, which they have not done. 
Remedial Actions Requested : An immediate cessation of all communications from Resurgence Capital and LVNV Funding regarding the alleged debt. 
A thorough investigation by the CFPB into the practices of Resurgence Capital and LVNV Funding to ensure compliance with the FDCPA and other relevant regulations. 
The removal of any negative credit reporting related to this alleged debt, as it is not mine and has not been validated. 
Confirmation from Resurgence Capital and LVNV Funding that they will no longer pursue this debt from me in any capacity.

I have enclosed copies of all correspondence related to this matter for your review. This includes my initial requests for debt validation and any responses received, or lack thereof, from Resurgence Capital and LVNV Funding.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary actions to protect my rights and ensure that these companies adhere to the legal standards set forth under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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 explanation
Consumer complaint received 2024-06-18 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear CCB/CHLDPLCE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Hope Mills, North Carolina .

It has unequivocally come to my attention that CCB/CHLDPLCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore,
North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CCB/CHLDPLCE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CCB/CHLDPLCE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CCB/CHLDPLCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my report.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing you with this formal objection to the information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/investigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting. 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably complaint with XXXX reporting standards, you are in violation of the required permission to report a single aspect of notation of any alleged accounts, much less a public records that was not even reported to you by the alleged Court of Records. I formally contest the portability of the alleged Public Records. Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed XX/XX/year> Reference XXXX Closing date XX/XX/year> This Public Records item is deficient ad reported, and Per Federal reporting regulations all claims Must be to the maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX FORMAT compliance since, per the XXXX, DNP XXXX Any deviation from these standards jeopardized the integrity of the data. Unfortunately, it appears that you do not have reasonable procedure in place to assume accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: Block, Inc.
State: MI

Complaint narrative:
A hold was placed on my account. They state once merchant completes transaction money will be placed back in my account. 
The merchant has completed and reversed the transaction. I have got the authorization code for transaction as well tried to give to CashApp and they refuse to do anything or try to resolve this. Ive already contacted XXXX  and have been referred to you Cashapp is saying it may take 31 days to release my money. They are falsy stating once merchant completes funds will be back in account. Which Is a lie and this has been completed and still no access to the funds. This has caused hardships as far as missing Dr. Appts, no food to eat because the money they took overdraft the account and I had to pay a overdraft for something that shouldnt take this long. Original transaction was XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ID

Complaint narrative:
I filed a complaint with CFPB ( COMPLAINT ID XXXX ) on XX/XX/XXXX and shortly after, my complaint was sent to Mohela for review and response. 

On XX/XX/XXXX I received my first billing statement from Mohela since the transition from the prior servicer in XX/XX/XXXX. I am attaching that billing statement. I wrote Mohela the same day to notify them that the billing statement is incorrect. Also, on the same day, I removed autopay and my checking account information from the website to prevent additional unauthorized payments. Doing this means I have lost the benefit of a lower interest rate. 

The billing statement has many " mistakes '' that will benefit Mohela/gov ( additional or higher payments and a higher interest rate when consumers remove their accounts from auto-pay ), while placing a lot of borrowers in bad financial situations. It is putting it mildly to say that it would be difficult for me to have a second autopay of {$420.00} withdrawn from my account on XX/XX/XXXX after the unexpected and much higher than auto-payment of {$420.00} that was withdrawn on XX/XX/XXXX, which was only supposed to be a {$44.00} payment ( see previous complaint for a screen shot of my account summary on Mohela 's website ). To be clear, I have never authorized any additional payments to be withdrawn from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear CB/VICSCRT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to XXXX XXXX, North Carolina .

It has unequivocally come to my attention that CB/VICSCRT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CB/VICSCRT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CB/VICSCRT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CB/VICSCRT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On Saturday XX/XX/year> I made a mixed deposit at the drive through window at the XXXX MA Santander bank. It contained {$500.00} cash in $ XXXX and {$50.00} bills, plus 2 checks each for {$200.00}, a total of $ XXXX.My deposit slip had this information written on it. The teller took my deposit, processed it somewhere else in the bank, came back several minutes later and asked if there was anything else, I replied no, just the deposit. She gave me back my ID and a slip, which I did not look at. The next day I did online banking and noticed the deposit was for {$400.00}, the amount of the checks, no mention of the currency. I went to the bank on Monday XXXX, XXXX  and talked to the manager, XXXX XXXX XXXX. He mentioned he had been on vacation and was unaware of any issue from Saturday. He pulled the paperwork from the back office which contained the slip listing {$500.00} cash and {$400.00} in checks. He attempted to locate the discrepancy but said there was no obvious indication where the money was applied. I asked why the teller didn't question me about the cash if it was not there. His response was that they do not really look at or go by the slip. He said the next step would be review camera footage but that would have to be initiated by higher up in the organization. He assured me he would keep in touch informing me of any results. On Friday XX/XX/year> I called XXXX XXXX since he had not contacted me. I was told that only one image had been found of me putting the deposit in the drawer. He said it was inconclusive since the deposit slip was on the top and no money could be seen. He said it was an internal investigation and they were still working on it.. This has been over a week with no other communication other than what I have initiated. I asked that someone involved in the investigation contact me but that has not happened. This is totally unacceptable that {$500.00} can disappear with no consequences.

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 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-18 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: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I have been calling coinbase for the last XXXX to XXXX months, trying to get my account from being restricted so I can access and sell my XXXX. Each time I call and be able to get someone on the line they tell me to send my photo ID and a selfish with the words coinbase and that date. I have done this @ least 4 times and each time I send it they tell me my account will be available to me in 3 days. The XXXX days never come however I have to keep calling and being placed on hold literally for hours XXXX someone answer. On XX/XX/XXXX I wanted to sell my XXXX XXXX coin because my account was up to XXXX and I was able to access my account to sell the coin. Now my account for XXXX XXXX is down to about XXXX because I wasn't able to access my account and sell and I'm still not able to access my account. I am looking into seeking and Attorney to file a law suit because of the money I have lost do to the fact that I am not able to access my account for months.

Company response to consumer: Closed with explanation