vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
LVNV Funding LLC is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. LVNV Funding LLC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Carmichael & Frost LLC
State: TX

Complaint narrative:
Carmichael and frost sent out a huge email blast to complete strangers notifying a debt that has my parents name. A police report was filed 6 years ago for identity theft. The debt originally came from XXXX but 6 years ago when they were asked to verify the debt they never could. They are threating to go through their assets without court order. I have already sent them a formal do not contact letter because my name is not on it but they continue to contact me. They email and text me. I consulted a lawyer who informed me they are not allowed to contact non involved parties more then once. They have contacted me 3 times now.

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 2024-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC
State: MO

Complaint narrative:
That was lease purchase equipment they decided to take the equipment and sold them at the auction then they ask me for the amount I put down as security deposit over {$98000.00} They destroyed my credit score my business in process they sold the trucks already XXXX XXXX XXXX Last reported XX/XX/XXXX {$97000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Remarks Original creditor name Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021, after I pulled my credit report, I found out multiple accounts on it that were not mine, after a few disputes, I decided to filed and Identity Theft Police report. 

On XX/XX/2021, I started my first dispute, since then, I have been constantly sending dispute letters, until now, most of the accounts have been removed, unfortunately, there is one account that EXPERIAN has refused to remove. I am now trying to reach out the CFPB, because, I do not understand how the other two bureaus already remove this account with no problem and Experian jus does not. I really need this account to be remove from my report since I am not the debtor, instead I am a Victim of IDT. I am attaching a copy of partial credit report that includes the account that was never mine and I never opened as well as Police 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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC.
State: OH

Complaint narrative:
I recently received an invoice in the amount of {$11000.00} from XXXX XXXX XXXX which was forwarded to me by CIT Commercial Services, a division of Citizens Bank. Despite my efforts to rectify the situation through numerous phone calls and emails, it has become evident that the bill in question does not belong to me, but rather to a company located several hours away. I have made multiple attempts to resolve this issue with the debt collector, to no avail. 

I am concerned that this erroneous billing may have negatively impacted my credit score. The lack of due diligence on the part of the collection agency has resulted in a significant inconvenience for my company, which is currently in the process of securing a business loan. Such careless actions on the part of the debt collector are not only negligent, but also potentially damaging to the businesses involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bright Capital Inc
State: OH

Complaint narrative:
I had bright money has taken money out of my XXXX  account and has attempted to take funds out when I do not know how they got my bank acct info or who they are.I found this site to report since I already tried to dispute with XXXX.I have zero clue who this organization is.I had to go to XXXX to find out somehow this happens to a lot of people, can we say scammers? 
I have NEVER authorized this organization access to my secondary account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Consumer Dispute Regarding Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. My name is XXXX, and I am writing to bring to your attention several egregious violations of consumer protection laws by a collection agency, which have adversely affected my financial standing and consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have recently discovered that the collection agency, despite its legal obligation under 12 CFR 1006.34 ( b ) ( 5 ), has failed to provide the necessary validation information. Shockingly, they have placed a collection on my consumer report without adhering to the mandated validation process, causing considerable harm to my credit standing. 

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the accuracy of the information reported about them. However, I have not been given a chance to dispute the account in question, violating my rights as a consumer and compromising the integrity of the credit reporting system. 

Violation of Consumer Rights through Deceptive Means : It has come to my attention that the collection agency is engaging in practices that violate my consumer rights by using false, misleading, and deceptive means. These actions not only damage my financial reputation but also undermine the trust and fairness inherent in consumer reporting. 

Unauthorized Furnishing of Account Information ( XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX 2 ( 7 ) ( A ) ) : The collection agency has taken the egregious step of furnishing my account information to consumer reporting agencies without providing the requisite disclosures mandated by law. This blatant violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) is a clear disregard for legal obligations, negatively impacting my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these violations and takes swift and appropriate action to rectify the situation. By doing so, we can work towards upholding the principles of fairness, accuracy, and transparency that are vital to a just financial system. 

I appreciate your attention to this matter and look forward to a prompt resolution that reinstates my consumer rights and rectifies the harm caused by these violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please promptly erase these inquiries, as I lack any information about them, and the company carried them out without seeking my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i do not recognize.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of Identity Theft. I am taking this matter very seriously, and I would like to ask that you take immediate action to block and remove the fraudulent account from my credit report. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i dont recognize none of the hard inquiry on my credit. i didnt authorize them XXXX XXXX  CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
i dont recognize none of the hard inquiry on my credit. i didnt authorize them XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
ACIMA keeps sending me notice that I have an account and that I do not have. They have taken money from my account which ive asked back for because I was declined. 

I have called, emailed and no resolution. 

I applied for something from ACIMA before and was approved and paid it off. 

I applied again and was refused for furniture, I did this online and was refused I did not do this In store. 

Please can this be resolved I received no furniture and to my understanding this was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened an online account with JP Morgan Chase. I deposited a check for XXXX. They held the check for 12 days until it cleared. They told me over and over I had to drive 2 hours to a branch in XXXX, AR. with identification to verify my identity and that I would be issued a check directly. This was after several weeks of fighting with Chase to return my money, They closed the account on me, I called on XX/XX/2024 and verified my identity and the supervisor online said she didn't know why the man did not release my funds and send a check to me. She said I did not have to go to a branch. This was a tank of gas and my own time! What do I do? 

The officer XXXX XXXX at Chase on XX/XX/2024 wanted to help us. He got on the phone with the same system I am having to call through and they told him on speaker phone that the funds could not be released for him to issue us a check because a check had been sent in the mail. I had called the Saturday previous to this and was told if I did not make the 2-hour drive to XXXX they would eventually be authorized to keep my money and I would lose it. So, I drove 2 hours and XXXX XXXX was told they mailed me a check. 

Today, XXXX we have received no check. I am on the phone right now with Chase who is telling me to return to XXXX again to verify my identity and have them issue me a check. I am a XXXXXXXX XXXX XXXX all day and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  every evening. I can not take off work because they lied to the officer who had helped me there. Tonight they are saying no check was released. They admitted the officer helping me that day was misinformed. 

I want my money and I can not afford to take time off work to go to XXXX again. They are not paying me interest nor are they footing the bill for my travels. I indicated when I opened the account to contact me via email and phone - preferring phone. I am a resident of another state and work in XXXX. This is why I wanted an online bank. 

Tonight they told me I have to call back in 5 days to see if the request to release my funds was granted and a check was mailed. I want my money! I have verified my identity twice online and in the bank in person! I work hard for my money and want this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
I am writing to escalate my ongoing concerns regarding the discrepancies persisting within my credit report, as previously discussed via the Consumer Financial Protection Bureau ( CFPB ). It is with deep consternation that I continue to encounter unfamiliar entries on my report, signaling a fundamental issue that demands immediate rectification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
I am writing to escalate my ongoing concerns regarding the discrepancies persisting within my credit report, as previously discussed via the Consumer Financial Protection Bureau ( CFPB ). It is with deep consternation that I continue to encounter unfamiliar entries on my report, signaling a fundamental issue that demands immediate rectification.

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 2024-02-20 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: MI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus Transunion XXXX and XXXX advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus XXXX Equifax and XXXX advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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