vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

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 2024-04-09 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: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
On XXXX, I received monthly statement from AvantXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It shows that my balance due {$0.00}. And they have updated my account after my billing error dispute was sent to them. I log into online portal and that its not giving me access and not allowing to you used my card. 
According to the following section XXXX states that there shouldn't be any restriction for me using my card because the account has been made current .... XXXX Billing error resolution section d ( XXXX ) ( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: IL

Complaint narrative:
World Finance responded to my complaint alleging I still indebted to them but failed to address rather the contract in question is the in fact the security. If World Finance loaned me money by federal banking laws they should have insurance under FDIC to ensure each customers account in case of default. Is World Finance a bank? If not what banking service loaned me the money you are alleging I owe so I may contact them to get proper documentation to prove this was actually a loan given to me because I have reservation that World Finance did not disclose that the contract is the security that they are using to trade which is subsequently the reason it is sold to outside companies because they then can use it for profits. World Finance stated they sold the contract to a debt collection company but I pulled their original business incorporation and they did not disclose to the state that they would be selling securities nor the debt collection company listed as a party of the business so what authority do they have to sell off my information or my business dealings with them. I have filed a complaint with the state attorneys general to look into your business practices because this is fraud and theft by conversion trying to force me to pay a debt I do not owe and using the same contract they they issued for profits without stating this would be done. If the contract isnt the security why is it sold to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Timely payments have always been a priority for me concerning this account, preventing any instances of overdue payments. I find it perplexing to discover reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, rectifications are necessary.

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 2024-04-09 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: UT

Complaint narrative:
I have an account with eToro for XXXX that is losing value and decided to sell and withdraw the money. 

I attempted to withdraw funds via using my XXXX XXXX XXXXXXXX checking account, however, I could not add my banking information. eToro 's platform indicated that the routing number is not accurate. 

I tried a different checking account from XXXX and that one also encountered the same issue. 

I can not get a hold of a live customer service or support person. I opened a ticket and nobody has responded. I tried to use chat and it says nobody is available and got a bot to chat with without resolving my issue. 

eToro made it easy to deposit money but withdrawing is rather a hustle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services L.P . Compliance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Account Number : XXXX Reference Number : XXXX Dear Sirs/Madams, I am writing in response to your letter dated XX/XX/XXXX, regarding the referenced the above account owned by LVNV Funding LLC and serviced by Resurgent Capital Services L.P . I appreciate the information provided in your letter ; however, I have some concerns regarding the validity of the debt. As a consumer, I have the right to request validation of the debt in question. I kindly request that you provide me with the following information to validate the debt : Verification of the original creditor, XXXX XXXX XXXX, XXXX. Proof of ownership rights acquired by the Current Owner, LVNV Funding LLC. Documentation showing the complete payment history of the Account, including the last payment received on XX/XX/XXXX, and the subsequent charge-off on XX/XX/XXXX. Detailed breakdown of the current Account balance of {$690.00}, including any fees or interest charges applied. Confirmation of compliance with state and federal laws and regulations concerning the collection of debts. I understand that Resurgent Capital Services L.P. is responsible for servicing the Account on behalf of LVNV Funding LLC. Therefore, I kindly request that you provide the requested information within 30 days from the date of this letter, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please note that until the requested information is provided and the debt is validated, I expect all collection activities, including reporting to credit bureaus, to cease. In accordance with the Fair Credit Reporting Act, I also request that you update the Current Owner 's tradeline for this Account to disputed during the next reporting cycle. I look forward to receiving the requested information and resolving this matter promptly. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
you allowed these XXXX XXXX  to drag their feet for XXXX years after a pandemic when they offered me a forbearance when I was current on my mortgage. they lied to me over and over telling me that we were going XXXX offered to do a loan modification the whole time trying to steal my home and I complained about this in XXXX and you did nothing so I have secured a {$25000.00} grant from Ohio, save the dream and I have the balance. to take care of the redemption process they have added a bunch of non-applicable illegal fees, and have refused to respond to me so I can get this done. This company should be held responsible for the kind of business practices that they do. Even the Attorney General is appalled doing this to a family after a pandemic. I will take these people to court. If this continues I need help from your agency!!!!?

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 2024-04-09 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:
See document 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
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
FCRA 605B necessitates the elimination of any erroneous accounts from my credit report, I believe. Could you please verify the documents? Some of the accounts listed display inaccuracies regarding reporting, incorrect amounts, and reported dates.

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 2024-04-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Fifth third bank manages my loan for XXXX XXXX. They are the absolute worst. When they bought my loan, they didn't give any notice and my bank double paid as a result. Getting 5/3 banking setup was basically impossible when I was first trying to setup. They gave me no information on how to setup an online account or setup bill pay it took probably 8 or 9 hours to setup. Their phone system kept timing out and kicking me off. Even while on hold with a representative. I changed banks recently and changed my withdraw account on their website per their representatives instructions a few weeks before schedule payment, clearly on their website it shows my new bank account. But they still withdrew from the old account. I had to call and get a paper form to send in to get the account changed. Their Fax system didnt work to accept the form, so I had to mail it in. They sent me a follow up letter with a XXXX number to call stating the were open XXXX to XXXX ET I called at XXXX ET and no answer, the message stated the were open from XXXX to XXXX. This bank is incompetent and has wasted a good 20 hours of my time on their stupidity, lies and incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my credit reports and I noticed an inaccurate late payment with my account. I do not recall being late on this account because I always pay my bills on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-09 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: WI

Complaint narrative:
XXXX XXXX XXXX was unable to report the loan status as paid off since XX/XX/XXXX. In XXXX they instructed me to file a dispute, which I did with Experian. The resolution of that dispute was that Experian removed the entire account from my credit report, which lowered my credit score because all of the history was lost. Experian says they did this because XXXX XXXX XXXX did not respond to the dispute. 

I have contacted Experian several times by calling XXXX regarding the dispute # XXXX and am still being told that XXXX XXXX XXXX has not submitted the information to them. The information is showing with XXXX and XXXX. 

XXXX XXXX XXXX continues to tell me they have submitted the information to Experian, Again, this account was paid off XX/XX/XXXX and needs to be showing on my Experian credit history.

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