vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I called and talked to XXXX ( test id : XXXX ) and she advised me to report Bridgecrest to the CFPB XXXX XXXX did not have the entire contract signed the night of the vehicle purchase. The repossession should be removed due to unfair business practices. The dealership had an incomplete contract and instead of having all necessary documents signed they printed out ancillary paperwork to upsale services that I did not request ( GPS tracking and XXXX radio etc ) and they would not remove them after I said that I didnt want them instead advising that I should request to remove them afterward which I did do. When I called to remove the ancillaries the agent advised me that XXXX had been frequently using high pressure sales and unfair business practices to enroll consumers in unwanted services. It wasnt until later in the week when I returned to have an expired inspection sticker replaced or something when another dealer brought the missing pages of the sales contract outside for me to sign ( I guess management noticed after the fact that they were out of compliance and forgot to have me sign the necessary paperwork ). I requested the contract to be emailed from XXXX at Bridgecrest which she said could take XXXX hours. I want the repossession removed from my credit due to unfair business practices and a possible incomplete contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am receiving a bill for a loan that I never authorized or received against my house. I have no knowledge of this debt. My original loan servicer still holds the mortgage on my house

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 2025-02-24 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-02-24 00:00:00
Product: Mortgage — Conventional home 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: PNC Bank N.A.
State: UT

Complaint narrative:
I got an approved permanent loan modification from PNC. I'm outside of the country, so I used an online notarized service. 
In XXXX, after one month, I got a *secure* message telling me that a notarized service isn't acceptable and I need to go to the US embassy to notarize the documents, but the email and the new document were showing that I need to provide the documents before XXXX, so back on time, not giving me any time to even schedule an appointment with the embassy. 
I showed that error multiple times, but no answer I have got.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has continually harrassed me all times of the day and night for almost a year with a debt that doesnt even belong to me. They have my first and last name but I have no debts that I owe anywhere. They refused to give me further information about my middle initial, address, amount of debt or anything because they know Im not who they are looking for. Theyve stated several times they would remove my number and lied and continue to call. I am looking into pursuing legal damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX account charged-off and transferred to LVNV Funding, LLC. XXXX XXXXXXXX XXXX did not have my permission to disclose my personally identifiable information to a third part. XXXX XXXXXXXX XXXX informed that they are not reporting debt to credit bureaus, but LVNV Funding, LLC. has gained access to my sensitive information and has been reporting to the credit bureaus damaging my credit rating. 
I did not give consent to LVNV Funding, LLC. to report on my behalf. In addition, they have been receiving funds that are exempt from collections as I am a recipient of Social Security Disability Insurance and this is my only form of income. 
Funds have been extorted from me and any payments made to LVNV Funding, LLC. were made under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax refuses to remove XXXX XXXX XXXX XXXX XXXX  informaion on credit report. The account was closed but not removed after 7 years, The account is now over XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN, XXXX Subject : Debt Validation Request Notice of Legal Compliance Required Account XXXX To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt you have reported on my credit file.

1. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt.

Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold.

Verification that you are legally authorized to collect this alleged debt.

Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance.

2. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k.

3. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency.

This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within 30 days or remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
During the XXXX XXXX XXXX, I was out of work. XXXX XXXX contacted me and said, because of the pandemic they were pausing credit card payments and deferring interest. But a few months later when they unpaused payments, I was notified by them that my account was over balance and past due. They said there is a balance due immediately, it was like {$500.00}. I didn't have any money because I was out of work at that time, and on unemployment barely able to pay my bills. With all the late fees, over balance fees, and interest I was never able to catch up after that. So I disputed it with them, they told me they would get back to me, I didn't hear anything from them for months, I called again several times over the next 15 months. Finally 2 years later, I'm contacted by a collection agency, because XXXX XXXX sent my account to collections instead of getting back to me about my dispute like they said they would. So I called XXXX XXXX and got them to call my account back from collection and bring it back to the bank, and I agreed to pay it because at this point it's years later and I just want to get this over with. So I saved up and used a tax refund to pay off the entire balance. But it's still on my credit score to this day as a charge off and with all the over limit, past due derogatory marks. Im not able to secure funding for my small business because of this. I have tens of thousands of dollars running through my business checking account but I can't secure a business credit card because of them. My credit score was excellent until XXXX XXXX lied to me and ruined my credit score, I have not recovered still. I have disputed it with the bank and with experion, and still nothing has changed. Please help. I just want this to go away.

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 2025-02-24 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: NC

Complaint narrative:
I am disputing inaccurate information on my credit reports and I request to please investigate these accounts and delete them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the negative report that was placed on my credit regarding my student loan with Nelnet. My account was in forbearance, and I was never notified of any amount due or given the proper XXXX or XXXX notices before my account was reported as XXXX  days delinquent to the credit bureaus. 

As a result, my credit score dropped significantly from XXXX to XXXX. A few days after this negative mark was reported, Nelnet moved my account to administrative forbearance and brought it to good standing. This situation makes no sense, as I was never given an opportunity to resolve the alleged late payments or fees, nor was I informed of any outstanding balance during the forbearance period. 

I have contacted Nelnet multiple times and received no clear answers, only denials of my credit disputes without any explanation. Additionally, I have been informed that this issue is affecting many borrowers nationwide, and I am aware of a class action lawsuit filed in XX/XX/year> regarding the same concerns. 

This is the first time in XXXX  years I have had any negative marks on my credit report, and I strongly believe that a miscommunication between Nelnet and myself, compounded by their lack of notice, has unfairly damaged my credit. I am requesting a prompt investigation into this matter and the removal of the erroneous negative report from my credit file. 

Thank you for your attention to this issue. I look forward to your response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
There is no phone number for estate services. I have filled out their requested forms multiple times in the last 30 days. I have attempted to get support from their chat services multiple times and requested calls from Robinhood. They consistently end my chat support requests without any resolution and do not call. I have been trying to get information from them for over a month now. I have provided all the documents they have requested and still get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX spark was repossessed in the month of XXXX XXXX for late payment. Upon repossession I contacted loan office to see if I could get my vehicle back, was told I had to pay forwarded balance in less than XXXX week. The loan office, did not offer me a redemption period before the re-sale of the car. I Later was informed that the vehicle was sold and I was expected to pay resale cost and fees to them because they had to sale the car again. After requesting verification of resale, I was not rendered this information.

Company response to consumer: Closed with explanation