vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the Credit Reporting Act XXXX Account : XXXX XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I recently rolled over my XXXX XXXX with Merrill Lynch to XXXX. Merrill Lynch assessed a {$49.00} fee when they sent the money to XXXX. The account was about {$2000.00}. That's XXXX XXXX! That's a ridiculous amount of money for something that literally costs Merrill pennies to complete.

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 2023-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
I, XXXX XXXX ( maiden name Banks ) have been in forebearence with my mortgage with Veterans United since XX/XX/XXXX. I received documentation in XX/XX/XXXX from Veterans United that my forebearence was about to end and to complete required paperwork. I completed the XXXX XXXXXXXX XXXX XXXXXXXX to keep my home at the end of XX/XX/XXXX. I sent the XXXX XXXX XXXX  XXXX certified ( USPS XXXX XXXX XXXX XXXX XXXX ) and it was received XX/XX/XXXX. I waited for my application to be processed and did not receive anything. I finally reached out via DM on XX/XX/XXXX and Veterans United replied on XX/XX/XXXX, that I could view the status of my modification online. I attempted to search for the status and it was nowhere the rep advised. I finally received a certified letter on XX/XX/XXXX and it was a demand letter stating that I must pay the amount of {$19000.00} in full by XX/XX/XXXX. I called and spoke with XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she informed me that they are demanding the full amount because they never received a response back from the documentation that was sent in XXXX. I told her I in fact sent it back, certified! XXXX confirmed that the application was received and uploaded in their system on XX/XX/XXXX and was just never processed!! She advised I could re-fill out the app online to receive a quicker response. I had no clue as to why I would have to do the same form again as they had already had the form I sent. Per page 3 in the form, if you have a reduction of income or change in income, no documentation is required. They never requested anything from me at all. I never received a decision at all as well, so how can they demand the arrears? This is clearly a violation. I was not informed of this being a violation as XXXX requested that I just complete the application again. No fault was admitted at all.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NE

Complaint narrative:
i have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I add my card from XXXX XXXX to PayPal and for show pay, show pay is scan code, that you user in variety of store That PayPal indoors and you can user the code with there indoor er, well I make a couple of purchase with the scan code show pay, to be exact about for purchases, on the fifth purchase there system was block my card and my purchases was coming up decline. I don't understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: PA

Complaint narrative:
I received a notice from XXXX XXXX on XX/XX/2023, which required a response by XX/XX/2023, affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XX/XX/2023, they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information.

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise.

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law. 

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a notice from XXXX XXXX on XX/XX/, which required a response by XXXX XXXX XXXX affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XXXX XXXX XXXX  they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information.

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law.

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit 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 2023-09-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I wrote XXXX XXXX a proof of validation letter on several occasions. XX/XX/2023, XX/XX/2023, and XX/XX/2023, in which they have responded to the XX/XX/XXXX letter stating that they performed an investigation and have already responded to my previous dispute ( completely untrue- I have noticed they don't bother stamping the certified return receipt slip to confirm receipt of the letter ) this is the first time that I have received any correspondence from XXXX XXXX ( if in fact it is XXXX XXXX who responded as their letter head has a different company name ) and they have failed to provide me with the information that I have requested. Nevertheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.

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 2023-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My vehicle was involved in a car accident in which it was totaled. My insurance company ( XXXX XXXX ) determined the exact payoff amount for the loan and sent a check for the full amount via overnight carrier to XXXX. The check was received by Nissan prior to the XXXX payment window. Nissan went ahead and reported my payment, which was no longer due to them, as over 30 days delinquent. This has negatively impacted my credit score by a significant amount. This delinquency needs to be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
i have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. 
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I am writing to bring to your attention a pressing issue I have been facing regarding my credit report. I am a XXXX female who is diligently working on improving my creditworthiness. However, I am encountering significant hindrances due to inaccurately reported accounts that continue to have detrimental effects on my creditworthiness, consequently impeding my ability to secure loans or consider purchasing a home. 

I have meticulously maintained documentation demonstrating that these accounts have been paid in full, and they are over two years old. It is perplexing and distressing that they persistently remain on my credit report. Additionally, I have been incessantly receiving correspondence from various law firms regarding potential lawsuits, urging me to engage their services. This continuous barrage of legal notices adds further distress to an already burdensome situation. 

One particularly troublesome account pertains to XXXX. As of today, they persist in reporting that I owe them over {$1100.00}, despite the fact that this account was settled and paid in full. My attempts to engage with XXXX and seek resolution have been met with resistance and uncooperative behavior. Furthermore, every attempt to communicate with the current entity responsible for this debt, in order to rectify the situation, has been met with a lack of progress and cooperation. I never had two XXXX accounts. 

I implore your assistance in addressing this matter, as it is adversely affecting my financial stability and future prospects. I am committed to working towards a resolution and appreciate any guidance or intervention the Consumer Financial Protection Bureau can provide. 

Thank you for your attention to this pressing matter. I eagerly anticipate a swift and favorable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As of XXXX XXXX XXXX XXXX XXXX  said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
As of XXXX XXXX XXXX XXXX XXXX said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
As of XXXX XXXX XXXX XXXX XXXXXXXX said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Lvnv Funding LLC on XX/XX/2019 reported to XXXX

Company response to consumer: Closed with explanation