vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have information on my credit report of wrong address and phone numbers and other information that is not my information. 

I have ask for a free report in which last year was not sent. 

It seems my credit report with the score is the run around. 

My next issue is all the wrong information on the report. 

I have written several times about my 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 non-monetary relief
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}

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 2023-06-14 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}

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 2023-06-14 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: NJ

Complaint narrative:
I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action. 

I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored. 

My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt. 
As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt. 

Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I notice an credit inquiry on my credit file that I did not apply for nor did I give authorization to any other party to use my information. Please remove this erroneous inquiry off my credit report. I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following credit bureaus are still reporting inaccurate and refusing to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following credit bureaus are still reporting inaccurate and refusing to update.

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 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I called the company on or around the following dates to get assistance with applying for a loan to lengthen the terms and lower my payments of my personal loan that had an original amount of {$40000.00}. I was told that I had to wait 1 year from my original loan date which was XX/XX/XXXX to do this. The are the times I spoke with different representatives which provided this information. 

XX/XX/XXXX XX/XX/XXXX Im currently going through a XXXX XXXXXXXX XXXX  and was being proactive with getting my options to lower my payments. I called XX/XX/XXXX and spoke with an agent who transferred me to a supervisor XXXX to get assistance with a payment that wasn't reporting because of the delay in their system and also ask about the lengthening the loan and was told I didnt have to wait 1 year and could do it at any time but that I had to wait until today to apply so the payment could be posted. 

I called today and spoke with a rep who assisted me with the application and told me I was denied because of my credit. I currently have a few inquiries because Im trying to get out of this XXXX XXXX situation however if I was given the right and proper information to apply back in XXXX of last year I wouldnt have had this problem. 

I asked the rep to transfer me to a supervisor whose name is XXXX and he gave me incorrect info about fixing my issue and transferred me to XXXX agent id # XXXX in the finance management department who then transferred me to XXXX in the counseling department. 

Ultimately after I explained my situation she transferred me to XXXX who is a supervisor in the lending department and I explained that my right to apply months ago was taken away from me due to false information being provided by their company and he pretty much said thats not their issue. This has to be a violation of my consumer rights and prohibited me from having the option to have a lower payment which is causing financial harm to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1600.00}

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 2023-06-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC
State: OR

Complaint narrative:
I was in the application process, I was told I was required to pay for an appraisal and the counceling Longbridge staed they would need to collect XXXX and they did. In an eamiled I asked if there were any other fess XXXX XXXX the represanative stated no. After the appraisal was complete the compay wanted me to pay money to get the loan I was not interested so I inguired at a nother company XXXX XXXX XXXX I am currently in the loan process with them whne I asked to have my appraisal I was told I needed to pay another XXXX which I was unaware of I had already paid the approaisal fee, but in order for me to get the appraisal I had to pay the fee, when I called XXXX XXXX I stated my dis satisfaction in his lack of disclosure he was very indifferent about the " lie '' he stated it would have to be handled by a different department and they would contact me which they did and I was foreced to pay the fee to get my appraisal. He also whiched me good luch and stated that I was cute I am assuming that was based on my XXXX picture because we have never met. As a grown women I find this comment to be extremley offensive and his contact to be sneaky and deceptive. I am hoping you can help with this issue. I do not feel I should have to pay the extra {$370.00} for my appraisal. I have the emails as documentation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
Convergent Outsourcing Inc is currently reporting on my XXXX, XXXX XXXX XXXX consumer reporting bureaus that I owe their company, {$380.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Convergent Outsourcing Inc & myself, legally listing Convergent Outsourcing Inc as a person/company entitled to enforce a commercial claim against me. On XX/XX/2023 ( document enclosed ) I mailed & faxed a letter to Convergent Outsourcing Inc . It was NOT a request for verification or validation. This letter was a demand for proof of contract to substantiate Convergent Outsourcing Incs claim to XXXX, XXXX & XXXX that I am indeed the correct person that owes {$380.00}. Convergent Outsourcing Inc responded back by mail with computer generated documents and NO documents contained my wet signature to substantiate their claim. Nevertheless, no document was notarized through the presence of a notary public, who duly swears the copy made ( and sent to me ) is in fact a copy of the original paper contract in question. I corresponded back by mail and fax on XX/XX/2023 and Convergent Outsourcing Inc has ignored my legal demand for information. Convergent Outsourcing Incs documentation provided is misleading. Convergent Outsourcing Inc has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

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 2023-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX I called in to speak with someone from the Office of Consumer Affairs, I spoke with XXXX employee id number XXXX XXXX XXXX and was advised that they did not receive my documents and that they were not removing the XXXX account ending in ( XXXX ) from my credit file. I then called back the next day and spoke with another agent name XXXX XXXX id XXXX, from the Office of Consumer Affairs that stated that the account from XXXX ending in ( XXXX ) was reporting and that it was put into dispute on XXXX, I asked if they had received the documents that I sent certified, and they stated they had not received them. I called again on XXXX and spoke with XXXX employee id XXXX also from the Office of Consumer Affairs, who told me the XXXX account ending ( XXXX ) could not be removed and they were not going to remove it at this time. I also spoke with an agent name XXXX, from the Office of Consumer Affairs, on XXXX.I her that Equifax responded to the CFPB that the XXXX account ending in XXXX had been deleted, and she confirmed that the account was still reporting on my credit file as of today. XXXX I stated to XXXX that I would like the account removed and she stated that is currently under dispute. At this time Equifax Information Services has violated the FCRA 1681 c- ( 2 ), 1681o. ( 1 ) 1681n ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: NJ

Complaint narrative:
I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action.

I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored.

My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt.

As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt.

Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: OK

Complaint narrative:
XX/XX/XXXX I was involved in a motor vehicle accident, and transported to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Americollect regarding an account that was turned over to their offices to collect the debt. 
Between XX/XX/XXXX and XX/XX/XXXX I have reached out to Americollect and XXXX on multiple occasions. I have also filed a dispute with the credit bureaus. XXXX states the account was never turned over to collections as the account was paid per financial assistance and has a XXXX balance. Americollect states it was turned over and is valid debt. 
XX/XX/XXXX recd multiple emails from XXXX billing stating account was paid, has XXXX balance and to reach out to collection agency. 
XX/XX/XXXX XXXX, with Americollect, states XXXX needs to pull the account. Advised me to forward my communications with XXXX to her office, then states I will need to allow up to 14 days for someone to review the information. 

This is absurd!! 14 days to review the account- its been XXXX years. As the consumer I shouldnt have to spend hours upon hours of my time trying to get this resolved. The balance owed is {$7400.00} and neither XXXX nor Americollect seem to be escalating this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-06-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a letter on XXXX to Experian certified mail each times. Tracking numbers with receipts are attached in images. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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