vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I sent a certified letter to LVNV FUNDING LLC. In response to a notice I received from them stating that I owe XXXX and XXXX. I wrote them asking that they send me in writing a validation of debt letter containing the following : XXXX : money they say I owe. 
XXXX : How was that amount determined XXXX : Provide copies of all signed agreements from me and creditor bearing my personal signature stating that I agreed to pay such amounts. 
XXXX : Provide me with proof that the statute of limitations has not expired. 
XXXX : show proof that they are licensed to collect in my state with their license number XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
They failed to comply with my request by sending me a verification of debt letter and also a letter to falsely claim that I was a victim of identity theft. They not only failed to comply with my requests but also violated my rights under the FDCPA and FCRA ( reference code ) ( 15 USC 1692g Sec. 809 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: DC

Complaint narrative:
I filed two disputes with Experian ( XXXX & XX/XX/XXXX ) due to double-counting of my student loans. Experian did not correct the balances both times. 

In XX/XX/XXXX my student loans ( ~ {$33000.00} total ) were transferred from XXXXDept. of Education to XXXX. The loan amounts for XXXX should be {$0.00}, and those amounts should be under XXXX now. However, Experian has kept the previous balances open for XXXX despite multiple disputes and supporting documentation. My credit report now says I have roughly {$66000.00} in student loans ( double-counted ). 

Please see the attached files which show : XXXX. XXXX balances for ALL XXXX loans XXXX. Experian credit report showing double-counted loans ( starts on page XXXX ) XXXX. XXXX correct balances XXXX. Multiple disputes with no resolution filed on Experian.com

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 2024-02-09 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: 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I checked my consumer report and seen that my score has declined tremendously I.C SYSTEM is reporting negatively on my account for an alleged debt that does not belong to me. I have spoken to this company multiple times about this debt they have removed this debt from my consumer report I even have disputed this debt with the original creditor and have made many complaints against the creditor.This debt does not belong to me .I.C SYSTEM continues to harass and violate my consumer rights. This company has willfully and knowing continues to insert negative items on my consumer report knowing the item has be removed. This is causing me pain and suffering and mental anguish. This is double jeopardy and discrimination.

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 2024-02-09 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: TX

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-02-09 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: MS

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. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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 an 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 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Day 4 of asking for my funds plus interest to be returned to the bank account it originated from. I will be sending every day ubtil it is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
Hello, I am requesting help with an old collection being removed from a previous vehicle that was totaled out. This incident happened in XX/XX/XXXX while I was out of town for a family member 's funeral. My vehicle was used for activities that I was not aware of. In the midst of these activities of a house party, my vehicle was crashed into a tree. I was also going through an eviction at the time which was a heavy burden as well. I reached out to CNAC whom is the finance company of J.D Byrider and explained the situation. Upon the photos I sent to them, an insurance claim was filed and the vehicle was written off as a loss. After the vehicle was written off I was still required to pay for a vehicle that I no longer have. This has been on my credit report for 6 years and has been restricting my credit score to flourish the way I need it to. I have been in contact with the manager at J.D Byrider and have set up payment agreements/settlement offers. But as life has been bringing other challenges my way. I have not been able to make settlement payments. I would like a dispute to be made so that this vehicle is no longer on my credit report. My current situation still does not allow me to pay on a previous vehicle. I am currently looking for a new home for me and my husband. And I am covering for expenses that my husband is not capable of handling at this time. I am also paying for another vehicle at this time that I leased in XXXX of XXXX. The insurance claim sent to CNAC was for a total of XXXX. The remainder balance on my credit report is {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: UT

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-09 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-09 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Imperium Lending, LLC
State: PA

Complaint narrative:
Began refinancing of house with XXXX XXXX  given a XXXX appraisal fee, already paid. Contacted by Imperium lending, convinced to switch for lower interest, couldn't give me XXXX appraisal but could " credit '' the fee XXXX off closing costs. Then cost were added in, so obviously I paid that, they claimed I misunderstood, not the case, was lied to. Then after appraisal I was told I needed one more thing, XXXX XXXX XXXX- which I ended up failing ( to a tune of costs totaling XXXX, to fail ), delaying processing, costs went up by lender. Had to escrow plumber, forced to replace pipes by municipality ( small root showing ), to a cost of XXXX. Felt stuck with needing to refinance. Told in beginning that I could refinance with them again when rates dropped for no cost, but then I asked how do I know they won't sell like my other mortgage did ( that I now can't get ahold of to even try with them ), they assured they wouldnt in beginning because they were a much " bigger '' bank. But when asked upon closing for that in writing, they said they could not. Researched to learn they are Whole Sale market, and selling mortgage is just what their business model is. On their site, it state the were paid by lenders, not by consumer, but there was close to XXXX fee to Imperium lending on closing cost, along with the Loan origination fee, which went up as it took time to close due to failed sewage test. Spoke to XXXX  and others about all the costs, which would have in end totaled XXXX for a XXXX loan refinance., with an excellent credit score, was crazy high, and foolish to pay that much, along with higher interest, and added back in PMI to refinance to be able to afford some home repairs. SO I backed out, still forced to replace sewer ( not their fault ) but they lied multiple times, XXXX about appraisal fee being " credited '' off costs, XXXX about they would sell mortgage like other company did and I could refi with them when rates dropped, lastly about the costs being paid by lender on their site. Not to mention how my rates kept raising as the process was stalled by their slow customer service, or to failing a test that I was not told about until after paying for appraisal. Very shaddy business practices. Just looking to help out a future trusting consumer like myself, who's not the best with math and a bit too impulsive with making decisions.

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 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I used XXXX XXXX, XXXX, and Crypto.com to transfer funds into my XXXX account to trade with a trading group called the XXXX XXXX. I deposited {$22000.00} into the account and made trades which brought the value of my account to {$27000.00}. The group and I have parted ways, and I wanted to withdraw my funds back to my XXXX XXXX account. Crypto.com was the last exchange I used to transfer funds to my account, so I decided to transfer a small amount there too make sure it made it to my crypto wallet. I bought {$6500.00} in XXXX ( XXXX ) since both exchanges supported this coin, and requested a withdrawal from XXXX to my Crypto.com wallet on XX/XX/year>. My request in XXXX account did not go through right away, it stayed in a review status. After a few days of the withdrawal being in a review status, I contacted XXXX  customer service to ask why the withdrawal was still in review, I was told that all crypto currency withdrawals was on a mandatory 14 day hold by the SEC due to security problems and crypto currency crimes increase. I asked a few more questions about the 14 day wait, and then waited to see what the status would be after 14 days. After 15 days ( On XX/XX/XXXX ) I contacted XXXX customer service again, and the withdrawal was changed to success. I kept checking my crypto.com wallet for the next few days but no funds showed up. On XX/XX/XXXX I contacted XXXX customer service again and was told their system show that my withdrawals was approved and successful. I let them know that no funds had not shown up, they advised I contact crypto.com customer service. I have emailed crypto.com customer service multiple times with the same results, 2 days after emailing them I get a response stating they are sorry it has taken so long and they are trying to do better in their response time. They state if my issue is still valid, to respond to that email, in which I do just to go through the same cycle. Not being able to get in touch with crypto.com customer service leaves me not knowing if this is an issue with XXXX or Crypto.com. 

I still have {$21000.00} in XXXX that I need to transfer out, but I have no idea who's holding my funds ( XXXX or Crypto.com ). The last transfer that was successful went to XXXX XXXX, but they put a hold on transfer to XXXX so didn't want to chance it, and still ran into the issue I was trying to avoid. I have screen shots of the withdrawal request ( show I transferred XXXX ), my XXXX XXXX address in Crypto.com, conversation with XXXX CS, emails to Crypto.com CS, and my balance in my XXXX account. I would like to figure out where my {$6500.00} is and I need to get my {$21000.00} transferred out of XXXX ..... Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: 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 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 non-monetary relief
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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

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 2024-02-09 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
This is a formal complaint for EXPERIAN, XXXX and XXXX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If EXPERIAN, XXXX, XXXX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given EXPERIAN, XXXX, and XXXX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems EXPERIAN, XXXX and XXXX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer 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