vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2024-10-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I withdrew XXXX ( XXXX ) to XXXX XXXXl but XXXX XXXX deemed it " unclaimed '' so i cancelled the transaction in XXXX XXXXl because i didn't know " unclaimed '' meant still " processing ''. Now my money is stuck somewhere and XXXX XXXX  says they can't help me because its a cancelled transaction. That since it was cancelled it would be returned to the sending account 1-3 business days. It's been XXXX. Cash app says to contact XXXX XXXX  but thats not doing anything but sending me right back to you because the transaction was cancelled. Do you UNDERSTAND ME? IT WAS CANCELLED FIGURE IT OUT! REGARDLESS OF IF THE TRANSACTION WAS SENT SUCCESSFULLY AND NO ERROR OCCURRED THE TRANSACTION WAS CANCELLED SO WHAT ARE THE PROCEDURES WHEN A TRANSACTION IS CANCELLED IN XXXX XXXX AFTER BEING SENT FROM CASH APP SUCCESSFULLY? I HAVE WASTED 55 DAYS GOING BACK AND FORTH AND HEARING THE SAME THINGS FROM Y'ALL. DENYING MY DISPUTES WHEN I HAVEN'T DISPUTED THE TRANSACTION AT ALL SO IT SENT NO ERROR WHO CARES IF IT SENT NO ERROR IT WAS CANCELLED! WHAT HAPPENS AFTER IT WAS SENT SUCCESSFULLY AND NO ERROR OCCURRED IF IT WAS CANCELLED?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
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: AZ

Complaint narrative:
LVNV has repeatedly called me all hours of the day and night and does not provide any information regarding who the creditor is or validation of this debt. Most people who call are foreign and they don't answer me. Some of these collectors have called and cursed a me. I pulled my credit and it states " Original Creditor Unknown '' so How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am currently in escrow with a buyer for our home. We have a signed contract and will be closing the sale within the next month. Shellpoint must be ignoring this contract and notification of the sale because I keep getting notices from local buyers for cash offers from their notification that the mortgage company is causing problems. I would like to submit a formal notice and complaint that Shellpoint needs to back off and allow the legal sale to be completed and stop trying to move forward with an unjustified foreclosure when a signed contract has been submitted and escrow and closing will be completed by the end of 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 2024-10-27 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: LEXISNEXIS
State: VA

Complaint narrative:
Contacted Lexis Nexus because I received a fraud alert when I applied to an apartment. 
Its been over a month and I havent received any response from XXXX. 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX MI XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau po box 27170 Washington XXXX DC XXXX Subject : Dispute of Information on Credit Report Dear XXXX , I am writing to dispute the accuracy of the following accounts on my credit report : Account Information : - Creditor XXXX XXXX XXXX XXXX XXXX Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX CFPB Dispute Letter I request an investigation into these accounts as they may contain inaccuracies that are affecting my creditworthiness. Please provide me with the results of your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
Signed up with XXXX mobile service and ordered a brand new XXXX XXXX device. Device received and activated on XX/XX/year>. 

There was really poor network for XXXX mobile phone service in my house/neighborhood. Cancelled my service on XX/XX/year>, and called XXXX to arrange return of the new XXXX XXXX back to them. 

They emailed me return shipping label and I shipped out the device on XX/XX/year>. I have saved the picture of shipping receipt/tracking number. 

XXXX confirmed the device was delivered on XX/XX/year> and I received an email from XXXX stating that they have received my return and now processing it. 

Even though they cancelled my mobile phone services on XX/XX/XXXX they kept charging me recurring monthly payments until XX/XX/year>. I kept calling XXXX to resolve this issue and they kept adding credit back to my account ( I have emails as proof showing all the credits they applied ). I still paid them ~ {$110.00} for some extra cancellation charges or charges for 3 days of my device use. 

The main concern is when I received notification from debt collection agency in XX/XX/year> saying I owe {$620.00} for debt owed to XXXX as I didnt return my new device XXXX XXXX XXXX I called XXXX multiple times and they told me they have an issue with their system and they will revert the debt charges. But I kept getting notifications from debt collector that my debt is valid and will not be taken away. 

This is wrongful debt for a device which I returned on the shipping label XXXX provided and also have proof from XXXX that it was delivered and received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: Kriya Capital, LLC
State: NC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : CREDENCE RESOURCE MANAGE Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, NC XXXX Dear ( Debt Collector ) 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.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
Despite this account being closed, it is still appearing on my credit report and is negatively impacting my credit score. As a responsible consumer, I regularly monitor my credit report and strive to maintain a positive credit history. The presence of this closed account does not accurately reflect my current financial standing. I kindly request that you investigate this matter and remove the closed account from my credit report at your earliest convenience. According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in a consumers credit report. Since this account is closed and has been properly settled, its continued presence is misleading. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-27 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: FL

Complaint narrative:
Despite this account being closed, it is still appearing on my credit report and is negatively impacting my credit score. As a responsible consumer, I regularly monitor my credit report and strive to maintain a positive credit history. The presence of this closed account does not accurately reflect my current financial standing. I kindly request that you investigate this matter and remove the closed account from my credit report at your earliest convenience. According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in a consumers credit report. Since this account is closed and has been properly settled, its continued presence is misleading. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently And making previous attempts to try to fix the issues directly with them they are violating my rights and I am entitled to {$1000.00} for each violation I listed.So they can delete this account ASAP or Pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Makes Cents, Inc. dba Advance.Cash
State: MO

Complaint narrative:
XX/XX/year> I received an email from advance.cash saying : You have been approved for a loan of {$1400.00}. You will have XXXX scheduled payments. Your first payment of {$140.00} is due on XX/XX/year>. 

I contacted Advance.cash told them that I did not apply for that loan. 

They told me to file a police report and send them the bank statement for XXXX XXXX showing transactions, and I did. 

They said they will investigate. 

And then I received this email XX/XX/XXXX saying : XXXX, It is with escalating concern that we contact you regarding your loan. The outstanding balance is {$2000.00}. We have made numerous attempts to communicate with you about this outstanding balance including phone calls, voice messages, emails and text messages, but you have failed to respond. 

And they never contacted me called me or left any voicemails. 

Right when I received an email XX/XX/XXXX I called them asking what is going on and if they can give me documentation for this fraudulent loan and the transactions of deposit and they said they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Contacted XXXX XXXX because I received a fraud alert when I applied to an apartment. 
Its been over a month and I havent received any response from XXXX. 

Thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: Self Financial Inc.
State: VA

Complaint narrative:
Contacted XXXX XXXX because I received a fraud alert when I applied to an apartment. 
Its been over a month and I havent received any response from XXXX. 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I continue to have issues with synchrony bank/ jc penny everytime I get approved their website does a redirect then says they can't approve me once I get pre approval / pre-qualification leaving me to make unwanted complaints from what the website says it's a easy process but for some reason I don't have any luck leading me to this process it's very inconvenience to keep complaining my personal family who applys does not have this problem when they apply to synchrony bank credit cards that is the website profiling people as if there a certain limit on the amount of credit cards/ bank accounts or applying per day one can have thankyou

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, I found unapproved inquiries on my credit report, and I have no idea why theyre there. I checked my credit report like I always do, and this time, new discrepancies caught me off guard. Even after refreshing my browser, they didn't disappear. I'm asking that the documents I submitted be thoroughly reviewed to prevent this from happening again, as this issue has been highly stressful.

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 2024-10-27 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: CONTRACT CALLERS INC
State: NC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, NC XXXX Dear ( Debt Collector ) 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.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This collector has had people calling me at all hours of the day. Most are XXXX and barely speak English so I can't understand them as it is. When I ask what its regarding they ask me for MY personal information. When I've asked who this debt is for they don't provide any information. I have had several be rude, yell and I have asked them repeatedly to stop contacting me. I want this company to Validate this debt by providing evidence of WHO the original creditor is. Why and How much I owe them by showing statements with the amount including any signed contract with MY signature. Proof they have the right to collect on this debt. Proof of whether the original creditor charged off this debt and the 1099C if they did. The Fair debt collections act says I'm entitled to all of this information and this collector has refused to provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
According to 15 USC 1681E ( b ). Trans union and XXXX, did not assure maximum possible accuracy on this account below XXXX XXXX XXXX XXXX. Account is not accurate. And according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or cause to believe that the information is inaccurate.

I was a student with CRST expedited trucking. I worked for XXXX  months for them. The contract was after 9 months you are free of that contract. I have proof that I exceeded my contract.

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 2024-10-27 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: CO

Complaint narrative:
there are multiple disputes in the credit report that are a result of idenity theft and not mine. however, the dispute for XXXX collections for XXXX is just outright wrong. i was protected by the violence against womens act and moved into a new apartment because of a court ordered restraining order : i sent all of those documents to XXXX XXXX, yet i got a response from them stating inaccurate information, that violated privacy laws. I believe this is all stemming from source of income discrimination and that this company has violated my rights under VAWA regulations. Experian is allowing this discrimination to continue like there eyes are closed to the reality of the situation because they did not investigate properly. Violating both colorado anti discrimination laws as well as the fair credit reporting act.

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