vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: MO

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 use 1681. 

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 XXXXXXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost 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 non-monetary relief
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
Hello, it has come to my realization that my XXXX took out credit in my name while I was at XXXX. This credit was not for me and now I have been stuck with this debt as he no longer can afford. This is pure ID theft and I have reached out to the XXXX companies and they have not replied back nor has the XXXX reporting agency. This is not fair as I am a new graduate and I can not be stuck with debt that i did not take out for myself. Please help me Accounts 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 2024-07-14 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: TX

Complaint narrative:
Hello, it has come to my realization that my XXXX took out credit in my name while I was at XXXX. This credit was not for me and now I have been stuck with this debt as he no longer can afford. This is pure ID theft and I have reached out to the XXXX companies and they have not replied back nor has the XXXX reporting agency. This is not fair as I am a new graduate and I can not be stuck with debt that i did not take out for myself. Please help me Accounts XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I applied for a Miles and More world Master Card from Barclays Bank. The card had a promotion offer XXXX Miles and More Points after spending {$3000.00} and a free companion pass every year. I met the promotional requirements and got the points. But, I didn't receive the companion pass. I tried to look in my Miles and More account as well as my Barclay 's account. The companion pass didn't show. I called XXXX as well as Barclays I didn't get a clear reply. This year on XX/XX/XXXX, I checked again, there was nothing in my account. I called Barclays and was told to contact XXXX. I called XXXX XXXX ' Miles and More customer service and was transferred to a dedicated line. The agent told me that the pass expired on XX/XX/XXXX and the pass for this year isn't there.I called Barclays again to inquire. I was told that the pass is sent via email. I haven't got any email stating about the pass last year and haven't got anything this year also.

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 2024-07-14 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: IL

Complaint narrative:
Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a XXXX in the Federal court system XXXX XXXX XXXX XXXX XXXXXXXX in The XXXX XXXX XXXXXXXX XXXX. 
I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 XXXX  XXXX XXXX XXXX / XXXX. {$680.00} XXXX 2 XXXX XXXX XXXX XXXX {$3600.00} XXXX 3 ) XXXX XXXX XXXX {$6700.00} XXXX 4 ) XXXXXXXX XXXX {$7400.00} XXXX 5 ) XXXX  {$3700.00} - XXXX 6 ) XXXX XXXX XXXX {$210.00} XXXX 7 ) XXXX XXXX XXXX {$1200.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I cashed out my Coinbase account on XXXX XX/XX/2024. Their web site emailed me saying I would receive my {$130.00} by XXXX XX/XX/2024. I have neither received my money nor any follow-up email from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I still have not received a copy of the loan for the loan number you are requesting me to pay. The original loan number has been dissolved. I have attached the title report in addition to the original loan copy. I need to see a signed loan for the loan number Mr. Cooper is collecting for. It is not the loan I signed. What property address is the new loan number Mr Cooper is collecting on? I requested this 4 times. Just send me the purported new loan documents for me to review to send to the IRS. The IRS has no record except for the dissolution of the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
Hello, it has come to my realization that my XXXX took out credit in my name while I was at XXXX. This credit was not for me and now I have been stuck with this debt as he no longer can afford. This is pure ID theft and I have reached out to the XXXX companies and they have not replied back nor has the XXXX reporting agency. This is not fair as I am a new graduate and I can not be stuck with debt that i did not take out for myself. Please help me Accounts XXXX XXXX XXXX XXXXXXXX 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 2024-07-14 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: AR

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. 

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 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 an 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 2024-07-14 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: RI

Complaint narrative:
Balance is incorrect

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 2024-07-14 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:
XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX aka XXXX XXXXXXXX XXXX website failed to process the payment setup, led to a XXXX day delay of a payment of {$130.00}. XXXX failed to notify through a letter/phone. Account is paid in full since XX/XX/year> as soon as I noticed that XXXX XXXX XXXX has failed to process the payment. The Late payment is XXXXXXXX XXXX  issue and still XXXX has disagreed to remove negative information from my credit report and hurting my credit. 
XXXX should remove the negative information asap for me as well for any other customers who faced similar website payment processing issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Online Information Services XXXX XXXX XXXX XXXX, NC XXXX **Subject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Online Credit Services, I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt. 

Please provide the following information : XXXX. The original creditor 's name and address. 
XXXX. The amount of the debt. 
XXXX. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt. 
XXXX. A detailed accounting of how the amount you claim is owed was calculated. 

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only. 

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from Credence Resource Mana on XXXX. I never received written notification about this debt so, I had no chance to dispute this debt. I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guranteeing that I pay this debt, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: NJ

Complaint narrative:
Recently in XXXX of 2024 after receiving information as to my identity being compromised in a database breach by a company named XXXX, XXXX & XXXX which notice came to me in a letter from the Department Of Justice as to my personal information and my law enforcement background in very serious matter, and noticed a collection agency, The XXXX XXXX appearing on my credit report under collections. I immediately started a dispute on Equifax site with documents that this entity, alleged collection company does not belong to me and I have no knowledge of this. After filing this dispute, I also sent letters to this entity, The XXXX as to seek information as to the accuracy and transparency additional letter of cease and desist letters. These letters were sent certified mail and delivery confirmation on XX/XX/year>. The XXXX received these letters on XX/XX/year>. I have also filed a complaint with the Department of consumer affairs on XX/XX/year> complaint # XXXX against this alleged creditor The XXXX  and another agent of The Bureaus called XXXX XXXX XXXX who was also sending me letters in the mail, trying to collect on behalf of the XXXX  as well. This was happening while Ive sent a cease and desist letter to this company The XXXX  not to contact me but dismissed my request, violating my rights under the FCRA as to unlawful conduct, using an agent of there company to now harass, intimidate and continue this attack of collections while a official dispute is in progress. Using the consumer affairs on line complaint form was another way of showing proof that a discussion as to gathering evidence, and exchanging information between myself and this entity, The XXXX is resolving this issue to bring transparency and accountability fully visible. Meanwhile, credit reporting agencies have completed there. Investigation and have updated my credit report of removing This entity, The XXXX  from my credit reports. Now, Equifax suddenly reporting that this alleged collection company is mine after just recently, after a very full investigation of sending out letters for confirmation and gathering other relevant information, deleted this entity from my credit on XX/XX/year> with confirmation # XXXX. Now Equifax is unethically reporting the total opposite. I will use every government agency, including the FTC, the FCRA and my Local Attorney Generals Office to hold Equifax accountable and pending my request in this report to immediately remove this entity, The XXXX in my credit report under collections, if not immediately removed, I will seek legal counsel to formally file a civil complaint in XXXX Co XXXX XXXX, asking for court cost, legal fees and any financial damages the court deems appropriate. REMOVE This entity The XXXX from my credit report IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company of XXXX XXXX XXXX is absolutely false and incorrect.

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 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am writing to file a formal complaint against LVNV FUNDING LLC for multiple violations of consumer protection laws, including 12 CFR 1006.34b-5, 12 CFR 1006.34c4i, 12 CFR 1006.34d, and 15 USC 1681 S2 7a . On XX/XX/year>, I received communication from LVNV FUNDING LLC regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested validation of the debt in writing. However, LVNV FUNDING LLC failed to provide the required validation information within the prescribed timeframe, violating 12 CFR 1006.34b-5. Furthermore, LVNV FUNDING LLC engaged in deceptive practices by failing to disclose in subsequent communications that the debt was disputed, as required by 12 CFR 1006.34c4i. Moreover, LVNV FUNDING LLC persisted in using harassing and abusive tactics, including contacting me at unreasonable hours and using threatening language, in clear violation of 12 CFR 1006.34d. Additionally, LVNV FUNDING LLC obtained and utilized my consumer report information in an unauthorized manner, violating 15 USC 1681 S2 7a of the Fair Credit Reporting Act ( FCRA ). These actions by LVNV FUNDING LLC have caused undue stress and hardship. I request that the Consumer Financial Protection Bureau investigate these violations thoroughly and take appropriate enforcement actions against LVNV FUNDING LLC. Furthermore, I seek remedies for the damages incurred as a result of their unlawful actions. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to ensure that LVNV FUNDING LLC complies with all relevant consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I spent XXXX hours on the phone with XXXX different employees @ Selene Finance. The last person I dealt with there worked in the ESCROW department. After I explained the situation, after she kept trying to repeat the company BS, she acknowledged that I was right and she allegedly was requesting that the funds held by Selene - both in ESCROW and in the Suspense account be properly applied toward my account. It's been XXXX weeks and Selene has failed to bring my account up to date. 

I received correspondence in the mail from Selene Finance ( attached ) dated XX/XX/XXXX, called an Annual Escrow Account Disclosure Statement that says, my new monthly payment starting XX/XX/XXXX, is {$3000.00} ( a difference of {$560.00} ). Retroactively reducing my payments per their new escrow determination. 
On XX/XX/XXXX, XXXX received a tax refund on my account for {$3700.00} and put it into XXXX. 
As of XX/XX/XXXX, XXXX has my account past due from XX/XX/XXXX ; holding {$9500.00} in XXXX and with {$580.00} in a SUSPENSE account for a total of {$10000.00} technically in my name. 
$ XXXX $ XXXX meaning 3 months of FULL MORTGAGE PAYMENTS TOTAL PLUS an extra {$920.00} This means that my next full mortgage payment would not be due until XX/XX/XXXX with a balance of {$740.00} ( see letter to Selene XX/XX/XXXX ) XXXX 

Selene Finance violates the XXXX Consumer Financial Protection ACT by manipulating the date the payment is received to artificially create constant late payments by applying part of the payment to something other than principal and interest creating a partial late payment or deficiency by way of erroneous fees. They practice creative and deceptive account management and have consistently been reporting my payments as late to the credit agencies since they took over servicing my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}. 
Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both XXXX and Transunion are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.

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