vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit reporting act. Convergent account # has violated my rights.

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 an account without my written instruction. 
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 non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

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. 

XXXX XXXX XXXX : Account number : XXXX has violated my rights. 

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 1681 c. ( 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 fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
My checking account had {$130.00} in it and someone fraudulently withdrew it around XX/XX/2023. I called Navy Federal Credit Union and they had me file a declaration of Forgery/Fraud and that they would then conduct an investigation and would give me no time line as to how long it would take. I submitted it on XX/XX/2023. 
It has been well over 2 months and I have not been contacted. When I called them to ask what is going on with it XX/XX/2023 a representative insisted I give him my card number and when I told him I did not have a card he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Maliciously and disgustingly, Bank of America closed my account because it had a promotional APR that they didnt want to honor anymore. This was done deceptively and out of malice even though my account was completely current. In order to perpetuate their deception they then refused to even answer my call- as if I was just a subhuman colored animal. This is a grossly deceptive business practice that Bank of America simply thinks they can get away with.

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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I bought the car on XX/XX/23 with Mercedes Benz financial instead of my personal credit union to obtain all the rebates & discounts then I intended to refinance the vehicle after my first payment was applied. In the meantime I wanted to cancel the maintenance service which I did on with the dealership on XX/XX/23 for {$5800.00}. Check was sent & completed on XX/XX/23 by dealership to Mercedes Benz financial. I then preceeded to refinance with my credit union & when I requested a payoff amount the {$5800.00} was added back to account balance. I called MB financial talked to XXXX Subject XXXX XXXX & he stated the dealership requested the check be sent back to them as there was an error in the check amount they sent. The dealership states they resent the check back to MBF & was cashed XX/XX/23. At this time I called both the dealership & MBF on the same call XX/XX/23 & MBF stated they would research & take care of it on their end. Many follow up phone calls have been made to MBF as I want to pay this car off with them but need them to apply the refund check & all the interest from XX/XX/23 to my account so I can get a good payoff amount. NO ONE will call me back or assist me with information on my account. Calls have been made on XXXX & XX/XX/23. I have requested a supervisor each time & I get no one is available. Mercedes Benz dealership has also tried to contact multiple times & they have refused to talk to them as well. I need resolution. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery has been charging interest on this account since they acquired it. My original lease contract does not mention that any late payments will be charged interest on a monthly basis. Lease is attached for review. Please provide proper documentation of a signed contract which would give Columbia Debt Recovery the right to charge interest. 

According to XXXX, " 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
i sold my house the closing was XX/XX/2023. at the closing i got a truist check ( it was in a businsess name, and when i submitted it to my bank they put my account on lock and withheld my incoming pay. they made me wait XXXX more days before they would tell me they they had denied the check, then closed my accounts so i took it to another bank and opened a business account and other accounts with advice from the bank teller on exactly how i should set everything up. i then got a call from Truist stating that everything had been explained to them and i could now take my check back to them and resubmit it. it was too late i had taken it somewhere else. Truist still put a hold on this money and will not release my funds to me, its been its been XXXX days now and they will not tell the maker of the check anything or release my funds to me. At this point i need this fixed Now XXXX has put holds on all my accounts until this money is returned to them nad they may close all my accounts. Truist will NOT TELL ANYONE anything and they have ALL my money. Its not their money to keep.

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 2023-12-12 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 called Transunion because my free online account ( XXXX XXXX account ) stopped working after I had a legal name change done. On my first call, I spoke to Transunion customer relations department, who transferred me to their online department and then transferred me back to customer relations, only to be told I needed to speak to the online department again. After a few back and forth, I finally got a person in the online department who looked into the issue and said there were a lot of errors popping up, and he told me to contact the customer relations department again. The problem I'm having is I can't use my XXXX XXXX account to add or lift a credit freeze, Dispute or view my credit report. 

The error I keep getting for the freeze is, " Sorry, we're having trouble showing the status of your credit freeze right now '' The error I get when trying to dispute is, " We're unable to complete your request online. '' The error I get when trying to get my credit report is, " Your online credit report isn't available at this time. We can't access your credit report right now. This may be a temporary 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 explanation
Consumer complaint received 2023-12-12 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: IL

Complaint narrative:
I reviewed my credit report yesterday and noted accounts on there that I do not recognize. These are accounts I did not open, and accounts I have never used.

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 2023-12-12 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: IL

Complaint narrative:
I reviewed my credit report yesterday and noted accounts on there that I do not recognize. These are accounts I did not open, and accounts I have never used.

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 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV FUNDING is classified as a " junk debt buying '' abusive debt collection company by the Federal Trade Commission ( FTC ). LVNV FUNDING was sued just recently for deceptive and abusive practices. All 3rd party debt collection companies are regulated under the Fair Debt Collection Practices Act. No alleged verified statement makes debt collectors exempt for breaking the law under the ( FDCPA ). LVNV FUNDING is known for using deceptive practices. Even now, per FDCPA Resurgent can not represent LVNV Funding. That is false and misleading representations per 15 USC 1692e ( 14 ). ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX want to also highlight that LVNV FUNDING did not respond to me directly when I asked them to validate the debt per 12 CFR 1006 Regulation F of the FDCPA or 15 USC 1692g. By law they are given 30 days to respond per 15 USC 1692g ( b ) ( FDCPA ) and they did not do so. That is a violation, and they are now liable to the consumer XXXX XXXX per 15 USC 1692k. Failure to comply to law prompts deletion of the any information the debt collector when they use abusive deceptive practices, otherwise LVNV FUNDING will face court consequences. I had to file a complaint with the CFPB just to get a response from this company. LVNV FUNDING also violated the privacy act per 5 USC 552a by illegally having personal information such as name or social security number is protected by the Privacy Act 1974 which is also in possession of the debt collection company Resurgent. Ths company has broken many laws during their response in the letter they sent to the CFPB in my initial complaint. Just because they sent statements to verify an alleged debt still does not validate the debt. It's called DEBT VALIDATION not debt verification. What LVNV FUNDING had Resurgent to send responding to my initial complaint, did not prove anything. Especially since they are being passive and avoiding responding to my letters directly. Their silence is of the acquiescence. Furthermore, LVNV FUNDING debt collection company lied and said they didn't break any laws. They have violated my rights. They are currently in violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Credit Karma, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part.

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services.

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors.

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Credit Management LP regarding their handling of an account listed on my credit report. The account in question pertains to an alleged debt from XXXX XXXX, which was sold to Credit Management LP and is currently reported as a collection account with the account number XXXX. 

Upon reviewing my credit report dated [ Date of Report ], I discovered this account listed as a collection with a balance of {$400.00}. However, there are multiple factual discrepancies and potential violations associated with this entry : Lack of Verification : Credit Management LP has not provided adequate verification or validation of this debt despite my requests for proof of the alleged obligation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the debt within 30 days of my request. To date, no such validation has been provided. 

Reporting Inaccuracies : The reported date of last activity and status updates on the account are erroneous. The status indicates a past due amount of {$400.00} as of XX/XX/2023, which is inaccurate and misleading. There has been no recent activity or any attempt to contact me regarding this debt. 

Lack of Notification : I have not received any formal communication or notice from Credit Management LP regarding the assignment or existence of this alleged debt before it appeared on my credit report. This lack of communication violates the FDCPA 's requirements for debt validation and consumer notification. 

Failure to Comply with Reporting Guidelines : The reported account inaccuracies and lack of verification have negatively impacted my credit profile. This has affected my ability to secure credit or loans, and it is damaging my creditworthiness without lawful basis. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations by Credit Management LP and take appropriate actions to rectify these discrepancies. I seek the removal or correction of this account from my credit report and an assurance that Credit Management LP adheres to all consumer protection laws and reporting guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: VA

Complaint narrative:
Inquiries in Dispute : Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA these doesnt and needs to be removed. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXXXXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXXXXXX XXXX XXXXXXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXXXXXX 11. XXXX XXXX  XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX They have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX  with account number XXXX XXXX XXXX XXXX with account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My bank account has had a consistent amount of income and fairly predictable expenditures for years now. 
Last week, I paid my rent through XXXX, ordered some XXXX gifts... all was fine. 
The next day, my cards started declining ( I have XXXX checking accounts/ debit cards and XXXX savings account with Citibank ) but I received no warning of fraudulent charges or a reason why this would be happening. 
I was also suddenly cut off from access to online banking so I could not even check my account balances. 
I called Citibank and they told me that my accounts were flagged for fraud but they didn't have a specific transaction to verify with me at the fraud department ( as is usually the case when they are skeptical of my charges ) and told me that I should wait for a letter to arrive in the mail within 10 business days that will tell me how to restore my account. 

The next day after that I received 2 emails that told me each of my accounts were closed due to violations of account guidelines. 

I immediately called Citibank to inquire about how I had violated the guidelines and what would happen to my money. 
They did not tell me at all how I had violated guidelines and simply kept telling me that my account would be closed within 60 days and IF Citibank determined that any of the money in the accounts were mine that they would mail me a check within 60 days after that. 

I asked the representative what he meant by " IF Citibank determined that any of the money in the accounts is mine '' and told him that I am the account holder, I put all the money into the account... who else 's money would it be? 
The man simply replied " Ma'am, if Citibank determines that any of the money in the account is yours, it will be returned to you by check within 60 days of account closure. '' I never received the letter that they originally mentioned would come with information to restore my account, my local bank manager isn't able to access my information, calling and talking to someone at CitiBank is hard because my card and account numbers are no longer recognized as a form of identification necessary to speak to the reps.

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