vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
THIS COMPANY LVNV KEEPS CONTACTING ME EVERY MONTH IN AN ATTEMP TO COLLECT A DEBT..after telling LVNV Funding. i REFUSE TO PAY ... THE CONSUMER REPORTING AGENCY XXXX IS BEING CONTACTED BY LVNV FUNDING ON MY BEHALF ( using MISLEADING AND DECEPTIVE PRACTICEs -- FDCPA VIOLATION ) AFTER I HAVE DEMANDED LVNV FUNDING IN WRITING TO CEASE AND DESIST FROM CONTACTING ME ABOUT A DEBT AND CEASE AND DESIST FROM CONTACTING THE CONSUMER REPORTING AGENCY XXXX ON MY BEHALF TO REPORT FALSE MISLEADING INFORMATION ABOUT ME.. FDCPA FAIR DEBT COLLECTION PRACTICE ACT title 15 1692c Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Absolute Resolutions Corp.
State: WA

Complaint narrative:
After Checking my credit report there was a XXXX account opened that I didnt open from absolute resolutions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to file a complaint regarding LVNV Funding LLC, which has violated my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to an alleged debt they are attempting to collect. 

Failure to Provide Validation of the Debt : On XX/XX/2024, I sent a written request to LVNV Funding LLC asking for verification of a debt associated with account number XXXX. Despite this request, I did not receive any meaningful response or validation of the debt within the required 30-day timeframe under the FDCPA. As of this date, I have not been provided with any signed agreement, documentation, or proof that I owe this debt, nor have I been given an opportunity to dispute the debt properly as required by law. 

Improper Negative Credit Reporting : In addition, I discovered that LVNV Funding LLC began reporting this account as a negative item on my credit report. This occurred despite the fact that I had formally disputed the debt and was within my rights to do so under 15 U.S.C. 1692g. Under the FCRA, once a debt is disputed, it should not be reported negatively to the credit bureaus until it is validated, yet LVNV Funding LLC continued to report it as a delinquent account. This has caused significant harm to my credit score and financial standing.

Harassment via Communication : LVNV Funding LLC, through its servicer, Resurgent Capital Services, also failed to adhere to my request to cease communication. On XX/XX/2024, I explicitly requested that they stop contacting me regarding this matter. Despite this, I continued to receive phone calls and written correspondence attempting to collect on the debt, which I find to be harassment and a violation of my rights under 15 U.S.C. 1692c.

Failure to Properly Investigate : After submitting my complaints to LVNV Funding LLC and Resurgent Capital Services, their response indicated that no violations occurred on their part. However, they failed to provide the requested debt validation and continued to report the debt negatively despite it being under dispute. Their response also did not address the ongoing harassment through phone calls after I had requested that communication cease. 

Request for Compensation : As a result of these violations, I am seeking compensation for the damages incurred. The violations of both the FDCPA and FCRA have caused undue stress, harm to my credit score, and significant financial distress. I am requesting {$2000.00} in compensation {$1000.00} for FDCPA violations and {$1000.00} for FCRA violations. 

I am filing this complaint to seek a resolution and ensure that LVNV Funding LLC is held accountable for these violations and that they provide the appropriate remedies, including cessation of negative credit reporting and compensation for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
I have various items wrong with my credit report such as name on one file and wrong addresses and unauthorized inquiries by a car dealer and account that I want investigated for late payment status being incorrect. Also I want to validate and verify several other accounts that I outlined in the letter enclosed.

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 2024-11-11 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My identity was compromise since XXXX I was out of the country for five years upon my return. I find out all my identity was compromised. Multiple account was opened under my name on my credit report. I reported this matter to the law-enforcement agency I received the report from the police department. I also submit a complaint to XXXX FBI I was advised by the quality report advisor from XXXX to generate and submit my report through FTC. Your time is highly appreciated. Please help me with my concern. My credit is all I have. Thank you for your time.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive reviewed my credit report and noticed several accounts listed that are currently involved in pending litigation. Since these accounts are still under legal review, their inclusion on my report is having an unfair negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in eight fraudulent hard inquiries appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer hard inquiries result from identity theft and 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 non-monetary relief
Consumer complaint received 2024-11-12 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: Palmar, Inc.
State: ND

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, 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 adverse item of information, other than records of convictions and crimes which antedates the report by XXXX  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 false.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Receivable Management 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 XXXXXXXX Dear Receivable Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I believe Care Credit engages in misrepresentation, false advertising and fraud in enticing consumers to use their services. I believe they engage in false advertising in putting out ads saying pay your vet on your terms. Its not true and they prey upon people who are vulnerable and utilize usurious rates when people are desperate to protect their pets. I closed my account the day my dog died. I lay his death at their feet. I will pay them down but in the meantime I will be shopping for a class action attorney. I have read bbb reviews yelp reviews and this seems to be standard operating procedure for them. I wish I had known this before I opened an account with them, but was urged to do so by my vet. Big mistake. I have consulted a bankruptcy attorney who explained any payments I make to them will be disgorged. So if I do file there is some satisfaction. But they seriously need to be thoroughly investigated. Their practices are unlawful and again predatory, please remedy and research this companys advertising and practices,

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 2024-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C , 1681section 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 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I signed for solar panels at one of my properties through a company called XXXX XXXX. Their financing was through Mosaic, and the full amount was $ XXXX. The loan had a 12 month grace period so the first payment wasn't due until XXXXXXXX XXXX XXXXXXXX. I wasn't aware of how the money was being paid out so when I received an email asking if work had commenced, I let XXXX know and was instructed to say yes so they could receive more funding to actually get the work started since it was an out of town job. I wasn't aware that they had already been paid out the entire amount but that they were behind on other jobs which is why they hadn't started on mine. As time passed, nothing was ever done so I called XXXX and the owner, XXXX XXXX, agreed to cancel the contract and take over the debt themselves. We called Mosaic together on a recorded line and explained the situation. The representative let us know that it wouldn't be a problem and that they'd done that before, and that all we needed to do was submit a fully executed letter stating that XXXX was in agreement to become financially responsible for the debt since no work was ever completed. I thought it had been accepted at Mosaic but then I started to receive invoices asking for payment. We called again and explained the situation, on another recorded line, and the representative said they'd look into it right away to have it updated. Now it's been almost 5 months and Mosaic is reporting to the credit bureaus that I haven't made any payments, essentially destroying my near perfect credit score. I even went to the credit bureaus directly hoping they would take a closer look at my file, but Mosaic just confirmed the debt was mine again. They've ruined my credit, and I am now not able to qualify for any credit or loans due to the negative reporting by Mosaic. I recently got turned down for a home loan due to this situation. I really need this resolved as quickly as possible, because the debt is about to go into collections and Mosaic is liable to sell the debt to a collection agency to try to recoup some of their money but that will leave me open to having multiple collections agencies trying to collect that debt from me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-11-11 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: SC

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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