vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: Gitsit Solutions, LLC.
State: GA

Complaint narrative:
Get Sit Solutions NMLS lic # XXXX Has wrongfully foreclosed on our Home, XX/XX/XXXX, by sale to XXXX XXXX in the sum of XXXX. 
An amount unconsciously low compared to the XXXX XXXX of XXXX XXXX potentially robbing us of XXXX in equity ; Which violates our contractual rights prohibited by applicable law defined in the definition section of the Uniform Instrument to mean all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders ( that have the effect of law ) as well as all applicable final, non- appealable judicial opinions. under section 22 Acceleration and remedies Get Sit LLCs willful non-compliances with the foreclosure avoidance provisions of Regulation X which is a condition precedent to enforcement of the power of sale May render us, an attested socially disadvantaged family, homeless.

Our injunction has been filed with the XXXX  XXXX XXXX and a hearing scheduled. Enclosed are the certificates of service and XXXX XXXX payment of mortgage interest. 

The lender has suffered no harm with assignment XX/XX/XXXX collecting hand over foot in interest fees loan servicing charges. And now selling our home unconsciously low, ceasing to abide by statutory regulations of GA and the federal rules of THIS GREAT USA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV FUNDING LLC, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
EVERY MORNING, UPON SEEING THESE FRAUDULENT ACCOUNTS IT MAKES ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT IMMEDIATELY.

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 2024-10-08 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:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was robbed of approximately {$11000.00} thru XXXX wire transfers. The crime occurred on XX/XX/XXXX, and I reported it to my bank while the crime was happening. The perpetrator attempted XXXX transfers, and the bank stopped XXXX of them. XXXX of them were processed by my bank while I was standing in the local branch managers office reporting the crime. XXXX has told me that other than emailing the receiving bank and asking nicely for them to return the funds, there isnt much else they can do. Twice they have sent me generic emails saying they were closing all XXXX open claims without any explanation as to why. I keep trying to get someone from XXXX other than a call center person in a foreign country to talk to me and help me recover the money but cant get anyone to assist. Ive been passed around like a XXXX bottle at a frat party and no one seems interested in helping me recover my money. I need help understanding what my legal rights are in holding my bank accountable for recovering the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

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
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
My complaint is that LexisNexis failed to verify inaccurate, incomplete, and irrelevant information before placing it in my consumer file, where it remained for years, causing me harm. Some of the information they reported conflicted with other details in their own reports, such as indicating that my vehicle was totaled while also reporting it as covered under the same policy periods. Furthermore, they continued to report that vehicle as insured for years after they initially marked it as totaled. In reality, the vehicle was never totaled, yet LexisNexis has been reporting this false information since XXXX without proper verification. 

I contacted LexisNexis multiple times during XXXX, XXXX, and XX/XX/XXXX. Despite my repeated requests, they failed to provide a complete disclosure of my file and did not remove all unverifiable information from my record. Although they removed some information from the LexisNexis consumer report, they neglected to do so from the LexisNexis XXXX . report, database, and my entire file. Upon my request for reinvestigation, they reviewed the disputed information and concluded it was unverifiable, yet they still did not remove it from my entire file. I am requesting that LexisNexis remove all inaccurate and unverifiable information from my entire file and that they be held accountable for their willful negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: SC

Complaint narrative:
This is related to case XXXX. XXXX XXXX XXXX  did not adequately respond. They provided no documentation. They just said " our findings show the card account was opened properly ''. If so, where is my signature? Why is the birthday of the account holder different from mine? I want this bogus information removed from my credit report, and I want it done now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear 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 ofany 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 thevalidity 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: MO

Complaint narrative:
AWA collections is violating my rights under FDCPA 15 U.S. Code 1692f - Unfair practices by charging interest and thusly representing an incorrect amount owed on my credit file. 

When I initially dispute this debt with XXXX I asked for debt validation documents they failed to provide and instead refered me back to the original creditor. It is my understaning under the FDCPA XXXX XXXX. XXXX, they are required to provide this information in which I requested to know if this debt was sold to XXXX by XXXX for collection. Under the FDCPA the collection agency who is reporting on my file, not the original creditor should provide this information. Nonetheless, I had to file a complaint with the Missouri Department XXXX XXXX ( complaint # XXXX XXXX ) to obtain this information as the collection agency did not give me all the validation information I requested. This was the first violation under the FDCPA. XXXX and reporting of the debt did not cease while the debt was validated resulting in a violation of my rights under the XXXX. 

XXXX is chagning the amount due on my credit file because they are adding interest. I have dispute this with XXXX. XXXX 's response was because their office is in California they are allowed to bill me interest under the California law. This allgeded debt, that I still dispute, originitated in Missouri where I live. FDCPA 15 U.S. Code 1692f states the collection agency can not collect interest or add fees XXXX is violating my rights by doing both - adding interest and fees. When I disoute their response stating the alleged debt originated in Missouri, they then stated they can charge interest under Missouri law which is still a violation and also makes the balance reflected on my credit profile incorrect. 

XXXX, XXXX and XXXX violated my rights because I dispute this debt with them and they contiue to validate the debt withouth providing to me the proof they have that validates the amount of the debt or the validity of the debt. XXXX and reporting of the debt did not cease while the debt was validated resulting in a violation of my rights under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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