vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
A credit inquiry was done fraudulently on XX/XX/XXXX from Barclays and on XX/XX/XXXX from XXXX XXXX, I have been a victim of identity left in the past, I contacted both fraud departments of each company and contacted all three credit bureaus with no help removing these fraudulent inquiries.

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g Sec. 809 ( b ).

Please provide the following information : 1. Proof of the original debt : A complete and detailed account statement showing the amount owed and how it was calculated.

2. Proof that you are legally authorized to collect this debt : A copy of the agreement between your agency and the original creditor that grants you the authority to collect this debt.

3. Verification of my liability : Documentation that establishes my liability for this debt, including any signed agreements or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: MA

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 non-monetary relief
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 Original Creditor 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 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 of 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
Consumer complaint received 2024-08-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 Original Creditor 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 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 of 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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: MS

Complaint narrative:
Our Mortgage company failed to pay our property taxes. We asked why our taxes weren't paid and were told it was due to our tax assessor 's office being " too small town ''. They stated that it was due to a check having to be manually mailed, so the mortgage company just didn't mail one. When we received final notice that our account was delinquent from the tax office, we contacted our mortgage company and they said it would be resolved. Today XX/XX/year>, I received word from a friend at the Tax office that our property and home would be listed for tax sale next Monday, due to non-payment. When contacting the mortgage company, they stated a check was mailed on XXXX. That check was never received, and was not issued for the correct amount, even though the statement from the tax office was uploaded to the mortgage company. According to the tax office, the check would have been returned anyway for not being the correct amount. Our mortgage escrow account has {$6400.00} in the account and today, XX/XX/year>, I had to pay out of pocket {$1700.00} to avoid tax sale. Since our loan is a VA loan, I can not handle the taxes on our own. Unfortunately, the same thing happened last year. This has been a very emotional and stressful time and my husband and I have missed a lot of time from work handling this over the past few months.

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 2024-08-19 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: GA

Complaint narrative:
experian has routinely failed to follow the law and do proper investigations or verifications and this has been going on for almost 2 yrs, the have failed to correct and error on XXXXXXXX XXXX XXXX  account and it has hurt me and my family tremendously, i have provided them with evidence that no debt exist- UCC11 search, evidence that debt was discharged 1099-C from XXXX  and they still claim to have verified a debt, this is impossible i also called and found out that they never actually investigated my online disputes they just closed them the same day without investigation this is unacceptable, the says the must be 100 % accurate in reporting, XXXX has removed the entry entirely and XXXX has updated the account, so how can experian continue to report false information and damage my credit for 2yrs see attachment

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 2024-08-19 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: WI

Complaint narrative:
My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 in XX/XX/year>, XX/XX/year> to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This credit card XXXX has supposedly been closed with each fraudulent transaction reported the last XXXX years. They state it will be closed and a new card will be sent. I have requested no further cards sent. I have gone through XXXX cards since then that have been charged and I reported as fraud. And now I have spoken with their supervisor XXXX XXXX regarding all this and she informed me that the late fees I have to pay because of a fraud report was not taken care of properly. I have also closed checking and savings accounts and I have informed her that I will not pay because it is their responsibility. I still think they are covering someone in the system.

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 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
I was contacted by phone on XX/XX/XXXX. The operator informed me they were with RentDebt Automated Collections. They asked me information about the rental property they were collecting a debt for. I informed that I have not rented a property since XXXX, nor have I co-signed a lease. I reported that my identity has been stolen for a string of rental thefts. This is the XXXX incident since XX/XX/XXXX. All other debts have been resolved and confirmed as resulting from identity theft. The company mailed me instructions to resolve the debt, though they allocated an impossibly small amount of time to complete them ( Letter dated XX/XX/XXXX - letter received XX/XX/XXXX - given 14 days to return information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g Sec. 809 ( b ). 

Please provide the following information : XXXX. Proof of the original debt : A complete and detailed account statement showing the amount owed and how it was calculated. 
XXXX. Proof that you are legally authorized to collect this debt : A copy of the agreement between your agency and the original creditor that grants you the authority to collect this debt. 
XXXX. Verification of my liability : Documentation that establishes my liability for this debt, including any signed agreements or contracts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
These late payments don't match my usual payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: MS

Complaint narrative:
I requested an investigation on XXXX XXXX : Account number : XXXX. This account came back verified with information updates. Transunion updated the report claiming to have been provided additional information in regards to the accounts information reporting. The late payment on the account came back as verified through the cfpb. That is mind boggling due to the fact that no documentation to support this late payment history has been provided to me. I am requesting the documents provided by XXXX to XXXX in order to verify the accounts information. The specific legislation within the Fair Credit Reporting Act ( FCRA ) that enforces credit reporting agencies to share documentation from credit furnishers with consumers is Section 609 ( 15 U.S.C. 1681g ). This late payment is a violation under 15 usc 1666b. The payment was made on time before the due date. This section mandates that credit reporting agencies must disclose to consumers all information in their credit file upon request, including the sources of this information and the identification of each person who procured a consumer report. Please take a moment to provide the requested information or grant me my right to address the account that I have indicated and its error.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, My account with Capital one has been on deposit only for the past 3 weeks. I was never told this happened nor was anything sent in the mail. When I asked for an official document on why its on this status I was denied this. I have been told it for account verification and to reach out to a specific number ( XXXX ) XXXX. I have been given the same number to reach out to by multiple capital one call representatives. Each time it says the agent isn't available when I call. I have left a voicemail and no one gets back to me on the matter. I have sent in all documents needed but can't access anyone who can provide me with details on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a response from Resurgent Capital Services L.P. regarding an account purportedly owned by LVNV Funding LLC. The account number is XXXX, originally opened witXXXX WebBank and XXXX on XX/XX/XXXX. The account was charged off on XX/XX/XXXX, with a balance of {$820.00}. 

I have repeatedly requested that LVNV Funding LLC provide proof of their legal authority to collect this debt in my state, as well as valid documentation proving the debt is mine. To date, they have not provided any such proof, and I have strong reason to believe that LVNV Funding LLC is not authorized to collect debts in my state. 

Despite the lack of proper documentation and authorization, LVNV Funding LLC continues to report this account to the credit reporting agencies, which has negatively impacted my credit score and financial standing. Their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ( g ) ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. 

I have disputed this account multiple times through the credit bureaus, and each time, Resurgent Capital Services L.P. has responded with insufficient verification, failing to provide any substantive proof that this debt is valid or that LVNV Funding LLC has the legal right to collect in my state. 

This situation has caused significant distress and has harmed my credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate LVNV Funding LLC and Resurgent Capital Services L.P. for their unlawful and unauthorized collection activities, and to ensure that this account is removed from my credit report immediately. 

Dates Involved : XX/XX/XXXX : Account opened with WebBank and XXXX. 
XX/XX/XXXX : Account charged off. 
XX/XX/XXXX : LVNV Funding LLC acquired the account. 
XX/XX/XXXX : Received a response from Resurgent Capital Services L.P. that failed to provide adequate proof of debt or authorization to collect. 

Amount Involved : {$820.00} ( Balance reported by LVNV Funding LLC ). 

Actions Taken by Me : Disputed the account with the credit reporting agencies. 
Requested proof of the debt and authorization from LVNV Funding LLC and Resurgent Capital Services L.P . 

Actions Taken by the Company : LVNV Funding LLC reported the debt to credit reporting agencies despite not being authorized to collect in my state.

Resurgent Capital Services L.P. responded with inadequate documentation and failed to provide proof of the debt or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
dear Sirs for the past 3 months capital one / XXXX XXXX  cabelas have NOT mailed me a paper statement, in addition yo that issue i have charged $ $ late fees and interest on my account i have politely requested PAPER STATEMENTS to HELP me reconcile my balances with cap XXXX master card, i do NOT do portals and auto pays, all i wish for is to recieve paper statment each month and let me pay off my monthly balance as i have done for MANY MANY YEARS!! 
i pay my bills gentlemen, mail me a bill i PAY it, simple ok i have recieved texts and XXXX mails explaining my past due payments along with excessive fees 2 follow i also had a dispute in XXXX and XX/XX/year> for credits due to my acc. 
i am thankful Cap 1 MAILED me copies of their procedure, but never did get statements for past 3 to 4 months PLEASE HELP ME SOME ONE, to get issues resolved as they used to be, which was a smooth process for paying my cap one balances thank you for your effots and time, XXXX XXXX XXXX me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Late payments reported XXXX XXXX XXXX
Late payments reported XXXX XXXX
 
Comenitycap/XXXX XXXX XXXX XXXX XXXX  OH XXXX

Company response to consumer: Closed with explanation