vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: ME

Complaint narrative:
Letters were sent to LVNV FUNDING LLC In regards to a XXXX rewards credit card issued by synchrony bank. The card was purchased by XXXX XXXX And then sold to a collector LVNV FUNDING LLC. LVNV Funding has disclosed false information on my credit report stating I owe XXXX XXXX XXXX dollars. The information was disputed in accordance with FCRA Requirements and XXXX letters were mailed with tracking to XXXX Funding asking for verification license numbers, how they came up with this debt and how they verified I owed them the debt. The response received was a statement from XXXX XXXXXXXX. This is not from the creditor that is listed on the credit report which XXXX XXXX XXXX. I have given lvnv funding more than 60 days to resolve and they have failed to do so. At this time I am asking they be investigated for fraud and violations of FCRA and remove any damaging false information that has been added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I submitted an employment certification form on XX/XX/XXXX to certify my employment for the Public Service Loan Forgiveness Program. I received notice today, XXXX XXXX XXXX that my form was a duplicate. However, my form is not a duplicate, I have only submitted one form ( XX/XX/XXXX ). I spoke with a customer service representative who confirmed that only employment certification form is on file ; she said they would process my form within 3 business days. However, the form status online provides conflicting information as it says to allow up to 90 business days for processing. This unfair as it is not my error that caused this issue ; I shouldnt have to start over again waiting up to another 90 business days for this company to correct their error. The timely and accurate processing of this employment certification form is extremely important to me as once it is processed I will have over 120 qualifying payments for the PSLF program and be a step closer to being forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted XXXX, transunion, XXXX to freeze my accounts. In the morning I had XXXX more credit checks from XXXX XXXX and XXXX XXXX which I did not recognize. I called XXXX  again and this fraudulent person had my account freeze reversed

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted XXXX, XXXX, Equifax to freeze my accounts. In the morning I had XXXX more credit checks from XXXX XXXX and XXXX XXXX  which I did not recognize. I called XXXX  again and this fraudulent person had my account freeze reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Student loans were not removed from report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Student loans were not removed from 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
ON XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My behalf as well

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
ON XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My behalf as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Ive been a Robinhood customer for years with a cash management account. I recently had to dispute a charge on my debit card and support would not initiate my dispute for almost a week. In this time, they limited my ability to request live support ( chat and phone ) through the app. My only option was to submit a ticket via email. 

It has been almost a month and this issue persists. I reached out to support today and representative XXXX informed me that they cant give me access to live support at this time but I may be able to establish rapport with them to enable this later on. 

This is absolutely ridiculous and against their obligations as a financial institution. As a banking customer, it is my right to be able to contact support through any channel I want to, whenever I need it. Its not a privilege that can be revoked and held over my head with conditions. 

Robinhood Money LLC is acting unethically and I do not trust them to hold any of my funds or assets. I need access to live support through ALL channels on my account to be reinstated promptly and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This company has constantly reached out to me after I sent several letters, reached out to the FTC and also called and emailed them directly. I have submitted the letter that I have sent to this agency and the next step is to reach out to the attorney general office is this matter is not resolved. 

I have also submitted the tracking information for a letter that I sent out today asking them to not contact me since they can not prove that the debt is mine. Their practices are extreme as well as not warrant because I do not owe this debt. I have also let them know I am conversing with XXXX XXXX directly and I do not want further contact with this agency. 

I will also be submitting a letter to the collection agency today and I would also like for the FTC to forward the letter that I Lastly, I attached the tracking information for the certified mail that I sent today so that they can acknowledge that the letter and stop disregarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX XXXX Account 3. XXXX XXXX XXXX XXXX XXXX Account 4. XXXX XXXX XXXX XXXX XXXX XXXX Account 5. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA. 

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA. 

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT. 

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA. 

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA. 

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA. 

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I bought a house in North Carolina last XXXX My escrow was set up to pay the insurance and the property tax. The closing agent sent out the check to the address on the invoice, and the money got deposited. However, the insurance company said they did not cash the check and asked me to re-pay the invoice. The closing agent submitted the claim last XXXX, but the bank investigation has not finished yet. I have attached the insurance company 's affidavit and the scanned cashed-out check. 

I tried to contact the bank, but the money was not under my name, so they refused to help. The money is mine, but I have no way to monitor it or know when they will refund me. 

Could you help to solve this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
This company, Aargon Agency was asked to stop contacting me thru phone and to send all paperwork involving this said debt of {$3100.00} thru mail. I also requested something with my signature giving them permission to my records and to collect this debt. I have not received this information. I am requesting this, if this can not be produced by this Company then this debt needs to be removed from my credit file immediately.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late pavments on an account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXXXXXX XXXX  XXXX : # XXXX XXXX15 U.S. Code 1681a - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payments are transactions & experiences. 

XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report related to the following accounts : XXXX XXXX XXXX Collection Account, XXXXXXXX XXXX XXXX  XXXX Collection Account, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Firstly, I dispute the accuracy of the address associated with the XXXX XXXX collection accounts. The address listed, XXXX XXXX XXXX XXXX, NY XXXX, is not correct and has not been associated with me at any point in time. I request that this address be removed from my credit report. 

Additionally, I am currently enrolled in a XXXX XXXX XXXX  plan and have been making regular payments as agreed. However, the bankruptcy accounts listed on my credit report show an inaccurate and inconsistent balance. I request that these balances be corrected to accurately reflect my current payment status. 

I have enclosed supporting documents that show my current payment status and address history, and I request that you investigate these inaccuracies and correct any errors on my credit report as soon as possible. 

Please inform me in writing of any action taken as a result of this dispute, and provide me with a corrected copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation