vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
In XX/XX/year>, I contacted the debt collection company LVNV Funding regarding accounts that they began reporting on my credit report. I notified the debt collector that I moved and I never received the initial communication regarding their ownership of the accounts. After filing a complaint with the CFPB, I was finally able to receive the initial communication regarding the debts through the assistance of the Bureau. After I received this initial communication through the Bureau, I contacted the debt collector LVNV Funding and notified them that I disputed two of the accounts that they currently own. Both debts are invalid for different reasons. One debt I did not sign for, and the other debt was paid off to the original owner of the debt and neither the original owner of the debt nor I have ever heard of the alleged debt collector that LVNV Funding purchased the account from. 
The issue is that LVNV Funding owns multiple debt accounts that they claim belong to me and that I am responsible for paying the debt. I remember recently paying off at least three debt accounts owned by LVNV Funding. However, when I inquired if any of payments that LVNV Funding received from me was applied to any of the debts that are currently in dispute, LVNV Funding refused to provide any answers to my inquiry because the supervisor that I was speaking to stated that although the debts are currently being reported on my credit report as collections, they can not provide me any information regarding the debts because there is a cease and desist on all active debt accounts that LVNV Funding currently owns that belongs to me. I do not want any funds that I paid on accounts that I claimed responsibility for applied to any debts that I dispute. In addition to that, even after I notified this debt collector that I dispute the debt, they continued their collection efforts that included making phone calls to me prior to XXXX my local time! I believe the acts of LVNV Funding constitute violations of the Fair Debt Collection Practices Act. I feel that LVNV Funding continuously violates my rights as a consumer by their unfair business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Information : Name : XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : TransUnion XXXX Subject : Multiple and Inaccurate Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint against TransUnion and XXXX for the inaccurate and duplicate reporting of my US DEPT ED Account # XXXX. 

XXXX. Multiple Listings : This account is being listed multiple times on my credit report under different entries, which is significantly lowering my credit score. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that information on a consumers credit report is accurate and not misleading. By listing the same account multiple times, the agencies are violating this statute and unfairly damaging my credit. 
XXXX. Impact on Credit Utilization : The duplicate listings are inflating the balance amounts on my credit report, which inaccurately affects my credit utilization ratio. This is having a negative impact on my credit score, when in reality, it is a single account that should only be reported once. 
XXXX. Incorrect Reporting as a Collection : XXXX is incorrectly reporting this account as a collection, which is false and misleading. Under FCRA 15 U.S.C. 1681s-2, furnishers of credit information must not report information that is inaccurate or misleading. This account can not be reported as a collection one month and then be reported as paid as agreed in the following month. Such inconsistent reporting is a clear violation of the FCRA and is harming my financial standing.

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 2024-09-15 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On or around XX/XX/2024, I visited the XXXX XXXX website looking for a consolidation loan. This led me to a series of loan options from One Main Financial, which were high-interest but did not appear to be title loans. I had no intention of using my car title for a loan.

I began an online application with One main Financial but decided not to complete it once I realized the distinction between title loans and standard loans was unclear. The next day, I received at least two phone calls from One Main Financial. They were asking me to finish my application. During these calls, I told them that I was not interested in a title loan and made it clear that I was okay with my application remaining incomplete.
Despite this, a hard inquiry appeared on all my credit reports, which I did not authorize. I suspect that someone from the company may have submitted my application without my permission and then denied it, as I had never completed the process myself. This raises concerns about their sales tactics.

Additionally, I believe One Main Financial used misleading tactics by not clearly labeling their loans as title loans, tricking customers into applying for
something they may not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 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 I looked at my XXXX credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate,

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 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 XXXXXXXX I looked at my XXXX credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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:
CXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: NY

Complaint narrative:
I NEED YOUR HELP! Please I have been instructed by my advisor to write a letter to you since I am a XXXX XXXX XXXX XXXX 
I don't want to be a bother but I am in a desperate situation since I am trying to get my life back together after being involved in XXXX XXXX. 

The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS THAT ARE FRAUD DUE TO XXXX XXXX  : 1. XXXX XXXX 2. XXXX XXXX XXXX - Auto Loan 3. XXXX XXXX XXXX- Auto Loan 4. XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I no longer have access to this information since they moved my account to Aidvantage. I only have a copy of payment ledger. My payments also did not lower my loan totals from what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX Complaint Against : XXXX Experian Subject : Inconsistent and Incorrect Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint regarding the incorrect and inconsistent reporting of my US DEPT ED account ( # XXXX ) by XXXX and Experian. 

1. Inconsistent Reporting : The account is being reported differently across credit bureaus. XXXX is reporting one version of the account status, while Experian is reporting it inaccurately as a collection account. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in reporting consumer credit information. 
2. Inaccurate Reporting by Experian : Experian is reporting the account as a collection, which is factually incorrect. Under FCRA, 15 U.S.C. 1681i, I am entitled to dispute incorrect information and have it corrected if proven inaccurate. I am requesting that Experian immediately update their records to reflect the accurate status of my US DEPT ED account.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis nexis has not sent my report as requested by phone XXXX weeks ago. I need my report because I am a victim of IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the fair, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681. account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report they shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item o
f information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Probably delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furniture of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 They are supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE : XXXX XXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF NEVADA. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of XXXX  for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus. 

FCRA consumer laws state that if information can not be verified that it must be removed. 
In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED.

4. A METRO 2 COMPLIANCE LETTER HAS BEEN SENT TO XXXX 5. A XXXX COMPLAINT HAS BEEN FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: LEXISNEXIS
State: NV

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE XXXX XXXX XXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXXXXXX XXXX XXXX  -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF XXXX. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of XXXX for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus. 

FCRA consumer laws state that if information can not be verified that it must be removed. 
In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED. 
4. A XXXX XXXX COMPLIANCE LETTER HAS BEEN SENT TO LEXISNEXIS 5. A XXXX COMPLAINT HAS BEEN FILED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
In XX/XX/XXXX, I discovered several unauthorized accounts and inquiries on my credit report, indicating that I am a victim of identity theft. These accounts were opened without my knowledge or consent, with significant balances reported. The fraudulent accounts were opened in XXXX, XXXX, and XXXX. Additionally, an unauthorized inquiry was made by a company in XX/XX/XXXX. 

Upon discovering these fraudulent activities, I filed an identity theft report and immediately contacted the credit bureau to request the removal of these fraudulent accounts and inquiries. I also informed them of an inaccurate address listed on my report. 

Despite these actions, the fraudulent accounts, inquiries, and the inaccurate address remain on my credit report, negatively affecting my financial standing. I am requesting the immediate removal of all fraudulent accounts, inquiries, and inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
My vehicle got voluntarily repoed and I called the finance company to tell them I'm going to give them XXXX $ a month to continue to pay off the loan and I have so for awhile now and they wanted {$6000.00} up front and kept denying my offer of {$100.00} a month I can not afford XXXX $ up front so what makes them think I can pay XXXX XXXX They still call and harass me even though I'm making monthly payments that I can afford. also they are not reporting the payments to the credit bureaus.

Company response to consumer: Closed with non-monetary relief