vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Sir : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW 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 VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute regarding this debt. Thank you for your immediate cooperation.

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 2024-11-04 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: Self Financial Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX  XX/XX/year> {$250.00} I was a victim of XXXX XXXX plus Covid 19 in identity theft Im free in trying to get my life together but this account keep messing my credit report up I been paying cause they wnt removed it but Im tired Im drain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: Loqbox US Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> {$250.00} I was a victim of XXXX XXXX plus Covid 19 in identity theft Im free in trying to get my life together but this account keep messing my credit report up I been paying cause they wnt removed it but Im tired Im drain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Tilt Finance, Inc.
State: NV

Complaint narrative:
XXXX - I receive 2 email messages from Empower.me asking me to confirm my email address and to congratulate me on my new Empower card. 

XXXX - I send a note to the email address indicated on Empower 's email asking that they not set up an account under my email. 

XXXX - I get a reply from Empower stating that I have no account registered under my email address ( the same one I used to set up my CFPB account ). 

XXXX - I receive an email from XXXX that my monthly report for XXXX is available. Though I have neither confirmed my account nor performed any transactions, I seem to have a balance that includes {$0.00} in " income ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MA

Complaint narrative:
I sent this Credit Card Company three INTERNATIONAL COMMERCIAL CLAIM WITHIN THE ADMIRALTY SELF EXECUTING CONTRACTS. They failed to respond back. These are the dates I mailed them certified mail.DC dates are as follows : first one sent XX/XX/year> - second one sent on XX/XX/year> - third one sent on XX/XX/year>. Dates they received them is available on request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: NJ

Complaint narrative:
Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from XXXX therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days I would also like to inform you that I never lived at the address associated with these accounts in New Jersey XXXX 

I have lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX since XXXX have been told by the Creditors stated below that someone at the address XXXX XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records and data furnishers such as XXXX, XXXX,, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX, NJ

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 2024-11-03 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: NJ

Complaint narrative:
Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from XXXX therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days I would also like to inform you that I never lived at the address associated with these accounts in New Jersey XXXX 

I have lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX since XXXX have been told by the Creditors stated below that someone at the address XXXX XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records and data furnishers such as XXXX, XXXX,, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX, NJ

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 2024-11-04 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear XXXXXXXX XXXX XXXX  I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications. 
Failing to communicate through my attorney, despite being informed that I am represented by legal counsel.

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards.

I hereby request that you cease all further communication with me, except as legally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action.

Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt.

Please respond in writing to acknowledge receipt of this notice within 30 days. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Sincerely, Concerned Citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: Global Lending Services LLC
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear XXXXXXXX XXXX XXXX I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications.

Failing to communicate through my attorney, despite being informed that I am represented by legal counsel.

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards. I hereby request that you cease all further communication with me, except as leg
ally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action.

Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt.

Please respond in writing to acknowledge receipt of this notice within 30 days. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Sincerely, Concerned Citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. I want the fraudulent account to be removed from my report immediately because they hurt my ability to obtain credit.

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 2024-11-04 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) 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 of any 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 the validity 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXX BALANCED {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I purchased an XXXX XXXX from XXXX. Once hot weather arrived the ac did not work and it sips oil from a big gulp. Parts of the interior of the vehicle were not secured and the seat belts were jinky requiring you to manually push them back in. When disputed I was told to take it to their mechanic. An attorney reached out to me because the vehicle is involved in a class action lawsuit. XXXX does their loans through Bridgecrest. This company has 1 star reviews & makes XXXX  XXXX XXXX look ethical. I have seen better customer service at a XXXX XXXX. I work in the XXXX XXXX XXXX as a XXXX  XXXX. I lost my Job in XXXX due to many factors but the biggest was they had a 40 % occupancy rate with no bookings. Many other XXXX  XXXX  in the area have suffered the same numbers so it was not an isolated event. I could not get a job. I was waiting on a settlement from both the company and the XXXX lawsuit. Because of this I was not able to make the payment in XXXX. Bridgecrest the lender for the vehicle sent a text letting me know about an extension. When I called they told me they could not help me and I needed to pay now. After I hung up this company blew up my phone, email and text. I received a barrage of calls for two months while trying to look for a job as well as sell my Florida property ( Land ) in between hurricanes to get the money. Nothing was going in my favor but I did get a job at XXXX as a XXXX  however it was an hours drive away. Bridgecrest put the vehicle up for repossession despite my man attempts to secure a repayment plan. They will not make any money back on this vehicle the most money they would make would be to allow me the opportunity to take care of the loan on some repayment plan. I had to quit the job as an XXXX XXXX  because I cant be stranded an hour away from home. I was able to get a XXXX  job. Since they have not scheduled pick up for the vehicle I logged in on XX/XX/XXXX to pay and my account is fully deactivated. This company is the most psychologically damaging company I have ever been forced to endure. XXXX preys on people offering convenience while selling them stolen or junk yard vehicles while Bridgecrest finances high risk loans on worthless vehicles. I have no idea how these companies are making money other than the high interest of the loans. One review stated his vehicle was repossessed with a - {$50.00} balance. Even if I were to pay the negative balance they would still repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several in accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-03 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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