vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
There is a debt collector by the name of LVNV Funding LLC that claims I have a debt they purchased I am responsible for, and they can not provide me with any information with the account. On XX/XX/XXXX, I received a letter from my employer stating that they received a wage order from a company called XXXX XXXX XXXX to garnish 15 % of my income on behalf of LVNV funding. I have never received any other notices prior to my employer informing me of what they have received. on XX/XX/XXXX, I reached out to LVNV to receive a proof of purchase agreement or more information on the account they claim I owe which does not belong to me and I did not receive a response or answer XXXX  phone. I was redirected to resurgent capital when I searched LVNV online to find any account information associated with my name. According to their database, they have no information for my alleged account and directed me to call for more information, upon calling resurgent after they hung up on me three times, they also stated they can not disclose any information to me, but I can begin sending payments. I explained that I filed a police report because there is no account that I have had with them, and they claimed they would be mailing me information for my request to close an account that does not exist, and I still have received nothing from them. I am expected to show up to court but I can not find any legit information from this debt collector that shows proof I am liable for an account dated back to XXXX that does not belong to me. I recently had another account removed for the same reason from LVNV funding in XXXX and now they are back on my credit report and garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX And XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX And Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: Viva Finance Inc.
State: GA

Complaint narrative:
I am writing to dispute the inquiries on my consumer reports, inquiries conducted on my behalf without explicit permission. I did not authorize any such investigation, and i request immediate deletion and clarification on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient-formally Sallie Mae under the Virginia code had five years to collect upon my delinquent debt or sue me. When the five years expired, I sent them a cease and desist letter. Instead, Navient has continued to harass and call, threatening to sue and take actions to which they can not. I also notifed them that in trying to collect upon my dept they broke several laws- trying to trick family members, claiming they are above consumer protection law when trying to work with... etc. Now they continue to send notices and call and leave threatening messages for my family. 

They have no right to claim anything- especially when I told them this and tried to explain everything the first time they tried to harass and lie their way to trying to get me to come out of delinquency. XXXX marks 10 years since the original loan. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian And XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I saw 2 transactions on my Chime account. I immediately called and filed a dispute with them and before I hung up they had sent me a denial. I did put in 4 rebuttals that were denied as well. I did my own foot work and called the people on the list one was XXXX XXXX and the other was XXXX XXXX XXXX  both companies stated that the bill for someone's account was paid for it with my card it totaled {$240.00}. I just want time to reimburse me for what they took from me but they refuse to do it. In calling and finding out what happened my debit pin number was not used it was just the car the information off my card I would like my money refunded as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX has a collection against me in the amount of {$5400.00}. On XX/XX/XXXX I disputed this with XXXX because this account does not belong to me. I also disputed with transunion because the amount shown with them is {$5600.00}. XXXX, XXXX XXXX XXXX XXXX never provided me with a physical copy of the validation. I DID receive a letter from XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX in response to my dispute which on their letter it states I owe {$5600.00} which again the amount is invalid due to other credit bureaus showing different amounts. XXXX XXXX XXXX XXXX XXXX XXXX did not validate through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report Account information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX Account # XXXX are all inconclusive and invalid. I would like the written validation of the contract and for a response in 15 days. 

This account does not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable documentation. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I signed up for a promo card with XXXX XXXX XXXX when buying a laptop advertised with no interest for 12 months .. on XX/XX/XXXX of this year ( 2023 ). I paid the {$1700.00} with my new XXXX XXXX Account. Shortly after, I got an email notice saying the XXXX XXXX Accounts ( which I had just signed up for ) are being transferred to another company, Comenity. Since then, I have not been able to access my account. I'm not sure who to make payments to. I have read reports online that Comenity is charging interest and not honoring the promotion. When I call comenity or try to access my account online, they say they can not find it, even when I give my SS #. It's all automated, and I've found no way to speak to a representative for the bank. 

According to many people online, they have experienced something similar, and have been told that Comenity will only mail account numbers to account holders, but they aren't receiving them even after multiple requests. I don't recall ever receiving my account number in the mail. They don't provide it over the phone, and regardless, they are saying they can't even find my account. XXXX XXXX XXXX tells me they no longer have access after transferring the account to Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
My account was compromised and several charges were made at XXXX ATM after speaking with chime for weeks. They decided to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I partner with a company called XXXX XXXX XXXX XXXX when it comes to assisting me with dispute letters that are sent out about every 60 days to all the major credit bureaus ; Equifax, XXXX, and XXXX. 

I ALWAYS receive a mailed copy of my credit report from both XXXX and XXXX, however, I have NEVER received a mailed copy from Equifax. And just to add some more context, I have been working with this company to assist me with my credit, off and on for the last 3-5 years and again, I've NEVER received a mailed copy of my credit report from Equifax. 

The mailing address that I've always used to send my dispute letters to Equifax is ; XXXX XXXX XXXX XXXX, GA XXXX I called Equifax customer service on XX/XX/ on the following number : ( XXXX ) XXXX. I spoke with a representative and explained my issue and requesting to have a copy of my credit report mailed to me, and he declined the request and said that they mailed one out in XXXX to my correct address at that time but I told him that I never received it and he placed me on hold and came back and stated that he could not send out another copy of my credit report. 

Because Equifax is one of the credit agencies that is used for a financial institution that I will be working with soon for a car loan, I would greatly appreciate if they where to start following suite and mail out a copy of my credit report every time that I mail my dispute letters to each of the credit agencies. 

I will be mailing out another set of dispute letters on XXXX, and I would like to find a copy of my credit report mailed to me within the 45 days time frame from Equifax, just as XXXX and XXXX does every time. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this debt multiple times. This collection company refuses to communicate and even classified this as a medical debt when I was originally told this was a utility debt. 

AFTER MANY FAILED ATTEMPTS I REACHED OUT TO MASSACHUSETTS FOR HELP XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX informed this company is classifying an electric account ( from what Ive been told ) as a medical debt and refusing to speak to Massachusetts. I want this fraudulent account off of my credit 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Transactions with XXXX XXXX XXXX Illegal dwelling units Owners of rental units are required to obtain a rental license and undergo an inspection. Units that have been added to the interior or exterior of a structure without the proper permits are illegal. 

As a tenant in Florida, you have the right to quiet enjoyment, which means you can peacefully occupy your rental property without unreasonable disturbances. 

I then called code enforcement and was informed that the " guest house '' I was living in is not a legal rental. Specifically, it should not have a kitchen since it is an accessory unit on the property. There is a main house on the property and under Florida law there is only one residence allowed per lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX XXXX  Cash App suddenly stopped transferring payments from my Cash App account totaling over {$1800.00} to my XXXX XXXX XXXXXXXX checking account that were transferred by my wife from her Cash App account to mine. They have been unable to provide me any explanation as to why, and the matter is currently under investigation before they release me the funds. 

All the payments remitted from my wife to me listed in the attached documents have been withheld without explanation.

Company response to consumer: Closed with explanation