vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account XXXX Dear LVNV Funding LLC, I am writing in response to your recent communication regarding the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the necessary documentation to validate the debt and establish your authority to collect it. 

Specifically, I am requesting : Proof of Ownership of the Debt : A complete and unbroken chain of assignment showing all transfers of the account from the original creditor to your agency. This should include copies of all assignment agreements, purchase agreements, or other documents evidencing each transfer. 

Account-Level Documentation : A detailed account statement showing the full history of the account, including the original balance, itemized charges, fees, and payments made. 

Documentation from the original creditor confirming the validity of the debt, including the original agreement or contract that created the obligation. 

Verification of Amount Owed : A breakdown of the current balance, including the principal amount, interest, fees, and any other charges. 

Proof of Your Authorization to Collect : Documentation demonstrating that your agency has been authorized to collect this debt and that you are acting within the scope of this authorization. 

Until I receive this information, I respectfully request that you cease all collection activities related to this account. Additionally, if you are unable to provide the requested documentation, please confirm in writing that you will cease collection efforts and notify all credit reporting agencies to which you have reported this account to delete it from my credit file. 

Please be advised that this letter is not an acknowledgment or acceptance of the debt, nor is it a refusal to pay. It is a request for information and validation as allowed by law. I expect your prompt response to this matter and look forward to receiving the requested documentation within 30 days. 

Thank you for your attention to this matter. Please direct all future correspondence regarding this account to the address listed above. 

Sincerely, [ XXXX ] XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Charge off 's and or write off 's are written to the company as a profit loss. I was supposed to receive a XXXX for this charge off XXXX charge off 's actually and I never received XXXX for either XXXX of my charge off 's. I also did NOT receive any notification of the account being charged off. I found out through logging into XXXX and saw the derogatory marks on my credit report. It's still reporting I owe a balance even though the company took a tax BREAK.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: CA

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing if from my credit report FCRA.

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 2024-12-25 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: CA

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing if from my credit report FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
A collection agency, National Credit Systems is coming at me trying to scare me for XXXX XXXX XXXX XXXX. They say that I owe them a debt but I've never did any business with them. I applied for rental property XX/XX/year> and was denied. I was advised to check my credit. After checking, I saw this unauthorized account on my credit report. I contacted both companies, XXXX XXXX XXXX  and national credit systems by via phone and certified letters requesting information on this acct. I was denied. They were very rude and threating towards me saying they did not buy the debt and they are a law firm and that I'm in trouble. Then kept hanging up in my face. So here I am trying to get help on This is a fraud acct, that's not mine. This fraud account is causing me to be denied credit and potentially higher scores. A police report and FTC report was filed and I will be pressing charges on the person of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I reviewed a letter from my mortgage company Select Portofolio Services ( sps ) that my insurance was cancelled due to none payment. However payment to my insurance company XXXX, is supposed to be bundled with my mortgage which I have been paying. When I called XXXX XXXX they said they have not been paid. I didnt receive any notification from either my mortgage company or my XXXX  of the non-payments. 

When I contacted SPS on XX/XX/XXXX the customer rep shared that the lack of payment was a mistake and that the insurance binder was received by SPS but it was not updated and paid. The rep was going to call XXXX to reinstate my policy but was unable to. I was told to looo for another insurance provider. However my new policies have an increase in fees-which would increase my mortgage. When I called SPS on XX/XX/XXXX the customer rep told me they had no evidence or recording of my call on XX/XX/XXXX. The Rep told me that they wont pay any difference of the insurance and no resolution to my issue. I would need to find insurance within a week. I asked to speak to a manager and was told no one was available and then my call was dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXXACCOUNT Account Number : XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE OPENED AND LAST PAYMENT Account Name : XXXX Account NumberXXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Account Name : XXXX Account NumberXXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures forincluding information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu

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 2024-12-25 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: MI

Complaint narrative:
On XX/XX/year> somebody made a hard credit inquiry for a XXXX  XXXX credit card on my name, I've never applied for a credit card so I called XXXX and transunion and they both told me I need to file a report with ftc or police to do anything about it, I called XXXX XXXX on XX/XX/XXXX and this lady told me there was nothing she could do. I called again today because I received an email stating that a card has been sent so I called XXXX XXXX again and told them it was fraud and I needed it canceled, they couldn't give me the phone number associated with the account but he did give me the area code of XXXX and I know nobody with a XXXX number he said the card is canceled now but the fact it went that far is rediculous

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 2024-12-25 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: MI

Complaint narrative:
On XX/XX/year> somebody made a hard credit inquiry for a XXXX  XXXX credit card on my name, I've never applied for a credit card so I called XXXX and XXXX and they both told me I need to file a report with ftc or police to do anything about it, I called XXXX XXXX on XX/XX/XXXX and this lady told me there was nothing she could do. I called again today because I received an email stating that a card has been sent so I called XXXX XXXX again and told them it was fraud and I needed it canceled, they couldn't give me the phone number associated with the account but he did give me the area code of XXXX and I know nobody with a XXXX number he said the card is canceled now but the fact it went that far is rediculous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: MI

Complaint narrative:
On XX/XX/year> somebody made a hard credit inquiry for a XXXX  XXXX credit card on my name, I've never applied for a credit card so I called experian and XXXX and they both told me I need to file a report with ftc or police to do anything about it, I called XXXX XXXX on XX/XX/XXXX and this lady told me there was nothing she could do. I called again today because I received an email stating that a card has been sent so I called XXXX XXXX again and told them it was fraud and I needed it canceled, they couldn't give me the phone number associated with the account but he did give me the area code of XXXX and I know nobody with a XXXX number he said the card is canceled now but the fact it went that far is rediculous

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 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Hello My account has been hacked I submitted an unauthorized appeal But it was wrongly rejected Please help me further submit the appeal Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had {$35000.00} in my savings account at regions bank and XXXX in my checking account. I went to transfer money from my savings to checking account and an error came up to call a number. I called the number and they said to visit a local branch. I had this amount of money in my account because I had a new roof put on my house. When I went to the bank they asked if I had fraud on my account and I said I dont know I cant open online banking. I said can you see anything and the woman said no its not telling me anything. Another employee said we will left this red flag and in an hour you should be able to use online banking. After an hour I saw that I had XXXX taken out of my account. I called fraud at regions and they told me someone opened a joint account and transferred all of my money into the joint account and then took the money. They also said I had to visit a local branch. When I went in they said they didnt notice this when I came in two hours prior and someone opened a joint account online somehow and they could not tell me anything else. All the bank did was put a red flag on my online banking. Never called to see about fraud.

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 monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: LA

Complaint narrative:
I keep getting repeat emails to settle a debt, even on XXXX XXXX. I have not received any other form of communication.

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 2024-12-25 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
I was a member of the Lexington Law Credit Services. Im covered under the current class action lawsuit and seeking reimbursement. My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: GA

Complaint narrative:
There are several accounts being reported by Experian, XXXX XXXX XXXX  to my credit file. I did not authorize these accounts to be shared or reported to my credit profile. I have a right to privacy per the Fair Credit Reporting Act 15 USC 1681 3 ( a ) 4 which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I would like for Experian, XXXX XXXX XXXX to remove the following accounts from my credit file which will protect my privacy with the following accounts. Please remove the following accounts immediately : 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 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

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 2024-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I originally was planning to go to school full time I filled out all the financial aid information. I asked how much XXXX classes would be part time and was told that XXXX XXXX gave the advisor an estimate and the out of pocket cost would be {$1000.00}. I noticed an out of pocket balance of {$8000.00} on my account and was told it would be changed to {$0.00}. I was under the impression that was the cost of the classes that I took online. I had no idea I would have to owe over {$8000.00} in loans for XXXX online classes, if that was the case I would've withdraw from going to school in the first place as I can not afford to pay back this amount in loans. I feel like I was never explained how much this cost would be correctly. I don't understand if I'm asking for a cost of XXXX classes I'm under the impression that's how much that was needed to be paid which stated above {$1000.00}. Information that was provided to me was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: IN

Complaint narrative:
I have sent multiple letters to both the loan company and the credit reporting agencies.

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 2024-12-25 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: IN

Complaint narrative:
I have sent multiple letters to both the loan company and the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: Experian Information Solutions Inc.
State: NJ

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 explanation