vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Lakeview Law Group, PLLC
State: MN

Complaint narrative:
I started a debt consolidation program with Lakeview law group in XXXX of XXXX. At the time i signed up for the program I was informed that it could take up to three months to get all of my account in negotiations. I was lead to believe that all of my account would be negotiated at least 15 % from the original balance or i would be refunded a prorated amount of the fees charged up to the 15 % n difference, 13/14 months into the program i reached out as i noticed my two largest accounts were still not in negotiations given that the are a law firm i was no longer contacted by the creditors because i had 'retained ' the company for their services i was not aware that they were still not in repayment. prior to this i was not behind or late on any payments, just overwhelmed paying minimum balances. As of the last date i checked my balances not one account had been negotiated down the 15 % i was lead to expect. it was also not properly disclosed that in additional to a large monthly fee i was to pay a 'service fee ' every time they made a payment to each account in my profile which could be up to 8x a month. at that point just about half of my payment was going to them in fees while my two largest debts sat idle for going on two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX Dear Credit Management LP, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: OH

Complaint narrative:
I have no connection with the mentioned creditors, and these inquiries are not mine.

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 2024-08-26 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: NJ

Complaint narrative:
This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX  directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX  violate several federal laws, including : XXXX. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX  violates this requirement. XXXX. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX  constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX  correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning, I was disheartened to see unauthorized inquiries on my credit report, and I don't understand why they appeared. My usual credit report check showed discrepancies that caught me off guard. I refreshed my browser to see if it was an error, but the inquiries remained. Because of this, I am urgently requesting a thorough review of the documents I've provided to resolve this issue and ease my concerns.

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 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
XX/XX/XXXX at XXXX XXXX  Voicemail left from an unknown number stating that there was a complaint against me at my address and they wanted to discuss a pending action against a coverage complaint. The message was from a XXXX XXXX I called the number that was left on the voicemail and the woman asked me if I had been served by a process server on a debt from XXXX Capital One Credit Card. The woman said that her company was going to take me to court, and I should have gotten the paperwork. She also said that a letter was sent in XX/XX/XXXX. I never received the letter concerning this matter. The company did not identify themselves as a debt collector in the voicemail and represented themselves as a court complaint against me concerning the property where I live. I have the transcription of the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company has reported upon my credit report that I owe around {$600.00} in unpaid balance ... I received no direct information pertaining to this debt, in fact when I called them I didn't even have an account # or reference # to provide as there is vague information on my credit report. 

After having identity theft I have been paying for lifelock service... .this is how I learned about this frivolous collection attempt, it went to my report. 

They can not provide proof that I created the account and used it ... .ive never had a XXXX account owning money. 

This is absolutely not my responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have digital secure on my XXXX. I have numerous reports that my social security number is compromised. I froze my credit reporting on XXXX and XXXX. But Transunion website is not working and Im unable to freeze 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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My husband 's XXXX Chase credit card was shut down due to unusual activity and Chase shut down my independent card as well. I have spent a lot of time trying to resolve this. My husband XXXX XXXXXX/XX/year> and i personally went to Chase to take him off our account. Now I can not even do that as we put our daughter on the account for safety purposes as we are both elderly. Apparently she has to sign before my husband can be removed from the account. I now can not access my husband 's credit card to pay some final bills and then shut it down. I have spent many hours trying to work with this institution and all I usually get are foreign nationals that I can not understand. This is not acceptable. I have now been on hold on the phone for twenty minutes because I asked for a supervisor as I could not understand her heavy accent. Now Chase wants to send my dead husband a new card with new number. His is DECEASED!!! He does not need a new card. I just want to pay off the couple of charges on his old card and shut it down! Now is looks like Chase has also closed our XXXX account. Unbelievable. I am an XXXX XXXX XXXX widow with an excellent credit rating and married to my husband for 61 years. This whole thing is outrageous! 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way 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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have contacted the collection agency XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX about a collection on my credit reports, I also disputed the collections with the credit bureaus. The Debt is for {$2800.00} the issue is this debt was included in my XXXX bankruptcy which was discharged in XXXX of XXXX, They collection company has all the information and has verified the information with me but still has not reported correctly to the credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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. 

XXXX 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 non-monetary relief
Consumer complaint received 2024-08-26 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: Shellpoint Partners, LLC
State: HI

Complaint narrative:
DO WHATEVER YOU NEED TO DO NOT TO BE SERVICED BY NEW REZ. 

XX/XX/XXXX : Bought house using XXXX XXXX  loan servicing. Hazard and windstorm policies were paid out for the year by Academy Mortgage. 
XX/XX/XXXX : Loan bought by New Rez. New Rez saw the two separate policies with the similar amount and incorrectly uploaded the hurricane policy as our hazard/homeowner 's policy and disregarded what they thought was a duplicate policy. 
XX/XX/XXXX : XXXX sends New Rez invoices and renewal policies for both hurricane and hazard. New Rez only pays hurricane policy, thinking it's homeowner 's. 
XX/XX/XXXX : Homeowner policy is canceled due to non-payment. 
XX/XX/XXXX : I call XXXX for a copy of my homeowner 's policy to see if I want to update it. Was then told I am not covered due to non-payment from New Rez. RESPA violation. 
I call New Rez, who says I have homeowner 's insurance. I said XXXX says I don't. New Rez agent discovers mistaken hurricane policy being uploaded as homeowner 's insurance. 
XX/XX/XXXX : I work with XXXX to get two new policies, homeowner 's and hurricane. 
XX/XX/XXXX : New policies are sent to New Rez. New Rez fails to pay XXXX. I call New Rez again, they claim they did not receive new policies. I upload again. Email docs again. They confirm they received it and will pay out XXXX. 
XX/XX/XXXX : Received a letter that we were going to be charged XXXX years of XXXX for the missing year of insurance. New Rez apays out XXXX and XXXX, double charging our windstorm insurance. I call New Rez to complain about XXXX, as it is not my fault the mislabeled and disregarded our policies when they received them, from several different sources including XXXXXXXX XXXX and XXXX. Sent in proof that XXXX sent them renewal information along with invoice. Request denied, despite evidence. Supervisor said request can not be reopened once denied. Reason given was that they didn't have the policy on file, which is a lie.

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 2024-08-26 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: NV

Complaint narrative:
i recently looked at a copy of my credit report and seen numerous inquiries on my credit report that I do not recognize or authorize please remove these unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-26 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way 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 account listed without my expressed written consent.

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 2024-08-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief