vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
I submitted a prior complaint about this company suing me over an older debt. I was paying them monthly out of my bank account with no issues for XXXX hears. They moved and never notified me. My checks were getting returned since their address was no longer valid. I have bank statements to back this up that will match up to the date they started the lawsuit. They then replied back to my CFPB complaint stating that, if I wanted to talk about it and set up a payment plan, to call them directly. Well, I tried but to avail. I tried every number they have listed as well as sent them letters via postal service and emails. XXXX is impossible to get a hold of even though they say to call them at a given number. When you call, you have options or leave a voicemail which I also did. No return phone call and none of the options they give you work. You simply get disconnected from the call no matter what option you pick. They are a dirty collection company with the full intent to sue you regardless of any valiant effort to call them and clear it up. YOU CAN NOT GET IN TOUCH WITH THEM .... I sent them a letter with my intent XXXX weeks ago from today XX/XX/year> and never received a response. I get a letter in the mail from them yesterday saying that I have 10 days to get a lawyer. This is a dirty, dirty, collection tactic. As I stated prior, I am going to be reporting them to the XXXX XXXX  XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX never mail me no notice to the debt of XXXX XXXX XXXX. 

Spoke to a rep at Credit Collection Services that stated to me they mail out certified mail. 

I never got any proof from Credit Collection Services of any such mail or post office confirmation Number of the certified letter by XXXX WAS rude as this debt by XXXX XXXX XXXX is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notification under Section XXXX of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section XXXX ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section XXXX of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section XXXX ( XXXX ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports. 

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : XXXX. Immediately cease all communication with me regarding this alleged debt. 
XXXX. Remove the debt from all consumer credit reporting agencies where you have reported this information. 

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section XXXX ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA. 

Please confirm your compliance in writing within XXXX  days of receiving this notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notification under Section XXXX of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section XXXX ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section XXXX of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section XXXX ( XXXX ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports. 

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : XXXX. Immediately cease all communication with me regarding this alleged debt. 
XXXX. Remove the debt from all consumer credit reporting agencies where you have reported this information. 

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section XXXX ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA. 

Please confirm your compliance in writing within XXXX  days of receiving this notice. 

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 explanation
Consumer complaint received 2024-09-12 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: SC

Complaint narrative:
Resurgent Capital Services/ LVNV Funding, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Cease and Desist Request under FDCPA XXXX XXXX and Deletion from Consumer Report I am writing to formally request that Resurgent/LVNV Funding, LLC cease and desist all communication with me regarding the alleged debt associated with the account, under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX. 

Under 15 U.S. Code 1692c, I am requesting that you no longer contact me through any medium, including by telephone, mail, or email, regarding this debt. This includes communications through my consumer report, which falls under the definition of a medium for communication as outlined in this statute. 

Furthermore, I am disputing the validity of the debt associated with this account and demand that you immediately cease any further reporting of this debt to consumer reporting agencies. I also request that you remove any derogatory information associated with this account from all consumer reporting agencies, as it is causing harm to my credit standing. The continued reporting of this debt constitutes an unlawful communication under Section XXXX and violates my rights under the FDCPA. 

Failure to comply with this cease and desist request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. 

Please confirm in writing that you have received and will comply with this request within the next XXXX  days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks!

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 2024-09-12 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 non-monetary relief
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-09-12 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account was paid off and closed but it's affecting my credit score

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 2024-09-12 00:00:00
Product: Credit reporting 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: LEXISNEXIS
State: TX

Complaint narrative:
I have sent numerous correspondence to Lexis Nexis, and they refuse to give me my free annual report. By FCRA law, they must provide this to me. They have still not sent me my report after the initial CFPB case was done ( CFPB Case # XXXX ). This is the 4th time of me making the request and sending in the requested documents. I have attached proof of them saying they got the documents but they sent it to the incorrect address now, someone out there will have all of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 non-monetary relief
Consumer complaint received 2024-09-12 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: WV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the 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 2024-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Back in around XXXX or XXXX, I had gone into a income driven repayment plan. I had set up payments to be taken out on ALL XXXX loans. However, the person who did the plan with me on the phone wanted to rush me along and didn't verify the information. So what ended up happening, unbeknownst to me, only XXXX out of XXXX loans were getting paid with the automatic payments. Then came the letters to both my parents and I, who cosigned the XXXX loans that weren't being paid, which caused a now unfixable rift between us. We reached out to customer care at the time and they opened a case. Of course, I was correct and the recording CLEARLY stated that all XXXX were to be paid with the plan. They " corrected '' the mistake without offering any incentive or repayment for the damage they've caused including to my credit. Then just last year, the same thing happened again! I have gone into default on XXXX of my XXXX loans, NOT the ones that are cosigned, and they no longer receive payments. The woman on the phone took my payment.XXXX  .and put it on the defaulted loans and not the loans I asked her to put it on! Nothing came from that complaint as there was " nothing that could be done ''. I'm so tired of this game. With the amount of money I've given at this point I calculate that I could've had these loans paid off in full almost XXXX or XXXX years ago. I need something to be done. I never even got to graduate from XXXX XXXX XXXX university due to financial issues and they have just made it so much worse. Salt in the wound. Also, my relationship with my parents is strained at best due to the mistake that have been made on their part. Please, I'm begging of you to please help me end this tyranny against Navient and get my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
yesterday I got an email from capitalone saying that my account was going to be closed and they didnt wan na give me a reason why I dont really care about that but I dont have any other bank account and that capital one had all my money inside of it and I dont have any money to spend. I need money to take care of myself for transportation for food and they basically left me on my own devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ALCOVA MORTGAGE LLC
State: CO

Complaint narrative:
I have reached out for months to try and get a differal on my mortgage since I lost my job and was going to have to move from XXXX to XXXX they never gave me any information and said I had to be over 3 months delinquent before they would even consider giving me an application for any assistance. So I then tried for months to get the loss mitigation packet to start the application for a deed-in-lieu of foreclosure. I was then told I cant cause Im not 3 months delinquent. They are purposely pushing me into financial hardship

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> they blocked {$990.00} trying buy XXXX fridge..They said I needed used app to authorize with bank to use my funds ..Before that they blamed XXXX instead of it being bank of america fault. I have Witnesses that saw this bank Lying and making up reasons to freeze my funds. I sued this county and I was trying to use this money. And this county infiltrated on my account and prevented usage. Making up fraud cases that wasn't actually happening. I verified a weapon and they refused to let me use my phone. No matter what even if I went inside the bank.. I used XXXX is blocked before that I used my bank card it was refused declined every attempt this is fully XXXX they discriminated against me..I  will keep these complaints til there handled correctly an til Trump gets into office..

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 2024-09-12 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

Company response to consumer: Closed with non-monetary relief