vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
XX/XX/24 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Formal Complaint Against LVNV FUNDING LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC regarding their unethical and potentially illegal practices in accordance with the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ). I also dispute owing any and all debts to LVNV FUNDING LLC. 

First and foremost, LVNV FUNDING LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is a direct violation of federal regulations designed to protect consumers from inaccurate reporting and harassment by collection agencies.

Furthermore, LVNV FUNDING LLC has denied me the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of due process infringes upon my rights as a consumer and demonstrates a blatant disregard for the regulations put in place to ensure fair treatment. 

In addition to these violations, LVNV FUNDING LLC has engaged in deceptive and misleading practices, further compromising my consumer rights. Their actions, which include false representation and misrepresentation of information, are not only unethical but also illegal according to federal law. 

It is imperative to note that LVNV FUNDING LLC has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is a clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which dictate the procedures for reporting consumer information accurately and responsibly. 

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into the practices of LVNV FUNDING LLC. Additionally, I urge the CFPB to take appropriate enforcement actions to ensure that LVNV FUNDING LLC ceases these unlawful practices and is held accountable for their actions. 

I am requesting debt validation and the purchase agreement between LVNV FUNDING LLC and the original creditor. I am revoking all rights of LVNV FUNDING LLC communications with me through email, texts and calls. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and uphold the integrity of the financial system. 

Please keep me informed about the outcome to this complaint and thank you again for attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX  Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX  ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX DATE : XXXX XXXX XXXX || DATE XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX  DATE : 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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard inquiries on credit ( identity theft ) - 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 Accounts Opened Fraudulently XXXX - Capital One ( {$1000.00} ) - XXXX  XXXX ( I have always been an XXXX XXXX XXXX customer so this is wrong XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
ON XXXX  XXXX I RECEIVED A CALL FROM XXXX. THE CALLER WAS ASKING FOR XXXX XXXX. THE CALLER TOLD ME HE WAS CALLING FROM MIDLAND. I ASKED THE CALLER FOR THEIR MAILING ADDRESS SO THAT I CAN DISPUTE THE DEBT. THE CALLER CONTINUED THEIR COLLECTION ACTIVITY ASKING ME IF I WAS XXXX. I TOLD THE CALLER I WAS NOT XXXX, BUT XXXX XXXX AND THE CALLER HUNG UP ON ME. THIS IS NOT RIGHT. THE CALLER DID NOT ALLOW ME TO TELL THEM TO STOP CALLING ME AND TO REMOVE MY NUMBER FROM THEIR CALLING LIST AND/OR THE CALLER DID NOT TELL ME THEY WOULD STOP CALLING ME. I SEARCHED THE NUMBER THEY CALLED ME FROM AND MIDLAND  'S WEBSITE CLAIMS OWNERSHIP OF THIS NUMBER. I DISPUTE THIS DEBT, SEND ME RESULTS OF THEIR INVESTIGATION, AND I DEMAND A COPY OF THEIR DNC POLICY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is illegally reporting information on my credit report. XXXX notified the credit bureaus on XX/XX/24 of this alleged debt and neither XXXX or Transunion notified me within XXXX business days of this debt. I get alerts today that Transunion lowered my XXXX XXXX XXXX points and I am closing on a home next week and need this off of my credit report ASAP! XXXX has not notified me of this debt via mail nor did Transunion. This is a reinsertion which is illegal. 

This is NOT my debt! I am not liable for this debt! This is an illegal collection. XXXX has no license to collect debt in my state of residence. Also, This was being reported XX/XX/24 as a " reinsertion ''. I do not have a contract, purchase agreement or account with XXXX and I want them to remove this off of my credit report ASAP!!! My score has went down XXXX points because of this illegal debt. None of the credit bureaus or XXXX provided me a letter of this information within 5 business days under 12 CFR 1006.349 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 U.S. Code 1681 ( c ) ( 2 ), 15 U.S. Code 1681 ( B ), 15 U.S. Code 1681 ( C ) ( 2 ), and 15 U.S. Code 1681 ( s ) ( 2 ).

I have not supplied proof under Stoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore such debt, in fact exists.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2024-03-11 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: OH

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my provacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681 ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to. any transaction made by me, the consumer.

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 2024-03-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my provacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681 ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to. any transaction made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I took out a XXXX XXXX  loan for an investment property in XXXX. It was locked at 3.89 % for ten years and then would adjust each year. 

In anticipation of the first adjustment, last year I called the current loan holder, NewRez, to confirm the following two things : ( 1 ) That the date up to which I could pay down additional principal before the loan " reshuffles '' /adjusts to the new rate was XX/XX/XXXX. 
( XXXX ) That, as per the terms of my loan, the most the new rate could adjust in any period is 2 %. Therefore the loan would go to 5.89 % I made a series of payments at the end of XXXX and up to XX/XX/XXXX. The existing principal as of XX/XX/XXXX was just shy of {$80000.00}. 

They now say my loan payment is 7.75 % and the payments are based on when the principal was around {$130000.00}. 

I have made numerous calls, and given their online portal ample time to " get caught up '' if that's the case. No one I have spoken to seems knowledgeable enough to help. I submitted an email complaint, and apparently I may hear a response in 30 days. Time is money and this is unacceptable business practice. 

I am in the very fortunate position in which this loan is relatively not very high, and I can pay it off if I want to. But what about other people. This is very predatory -- just giving no kind of knowledgeable service and acting confused while overcharging -- in this case double the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-11 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: The Receivable Management Services LLC
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : RECEIVABLE MANAGEMENT SE Account number : 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was recently reviewing all three of my credit bureaus from XXXX XXXX, XXXX, and Experian. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.

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 2024-03-11 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Over the past few months ive been trying to settle a situation with this company. They are rude and talk agressive over the phone and when i ask to speak with a manager or supervisor they hangup in my face and keep sending me to XXXX XXXX. on XX/XX/year> i spoke with with XXXX to settle this debt and i gave him permission to speak with someone and he refused then he started getting hostile because someone was assisting me and proceeded to hangup.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MD

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.

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 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