vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I did not authorize these companies to run my credit report. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: DriveTime
State: PA

Complaint narrative:
I did not authorize these companies to run my credit report. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX, Transunion and XXXX is missing generation identifier. These are inaccuracys XXXX reports status updated XX/XX/XXXX XXXX reports status updated XXXX XXXX Transunion reports status updated XXXX XXXX. These are inaccuracys. 

XXXX reports last payment date XX/XX/XXXX. XXXX is missing last payment date. Transunion is missing last payment date. These are inaccuracys

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 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : ( false collections ) XXXX XXXX XXXX, Reported : XXXX XXXX, XXXX and XXXX Reported : XXXX XXXX, XXXX. ( inquiries ) XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I do not contact these companies for the following dates that have been listed with XXXX XXXXXXXX which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
As of XX/XX/2024 Card Company known as XXXX XXXX has migrated to a new bank. I do NOT wish to pay the outrageous interest of nearly 40 % PLUS a XXXX $ per month fee. This is absolutely wrong. I asked to close my account therefore making my card unusable and they tell me I still have to pay the fee until I close the card and have XXXX balance. How can they force me to pay additional fees for card services when I can't even use the card. They continue to change terms by increasing my interest and charging me fees and changing banks. I don't agree with the fees. I am trapped into an account that increases fees and I can't pay off. Keeping in a cycle of never ending fees making it impossible to pay off.

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 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
sent paperwork since XXXX called XXXX XXXXXXXX all papework is in and XXXX XXXX relief

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Complaint Against Portfolio Recovery for Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am writing to file a formal complaint against Portfolio Recovery for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, Portfolio Recovery has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided Portfolio Recovery with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than XXXX days from the date of my initial letter, Portfolio Recovery has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Portfolio Recovery fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint. 
The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 


FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 



Please find enclosed a copy of my original debt validation letter sent to Portfolio Recovery for your reference. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Company reported inaccurate information to my credit report I dont owe any debt. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Complaint Against LVNV Funding LLC c/o Resurgent Capital Services for Failure to Respond to Debt Validation Letter. 

Dear XXXX, I am writing to file a formal complaint against LVNV Funding LLC XXXX/o Resurgent Capital Services for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, LVNV Funding LLC has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided LVNV Funding LLC with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, LVNV Funding LLC has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that LVNV Funding LLC c/o Resurgent Capital Services fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation.

Please find enclosed a copy of my original debt validation letter sent to LVNV Funding LLC c/o Resurgent Capital Services for your reference.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, XXXX, XXXX, and Experian, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights. 

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other. 

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely XXXX, XXXX, and Experian, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit 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 2024-03-10 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: VA

Complaint narrative:
I recently reviewed my credit report and I noticed Fraudulent accounts on my credit report. Please remove these accounts from my credit 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 2024-03-10 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: VA

Complaint narrative:
I recently reviewed my credit report and I noticed Fraudulent accounts on my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
Equifax violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their automated last response stated everything was complete and accurate can you please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CT

Complaint narrative:
Will not allow me to file proper disputes. Will not submit disputes, Inconsistent and irrelevant responses untimely and inappropriate. 

Will not refund unauthorized and disputed transactions. 
Will not assign each disputed transaction a claim number and properly initiate disputes. 

XXXX to XXXX XXXX XXXX Never received delivery. Police called, XXXX was XXXX and XXXX and still cash app refused to refund. Or submit an official dispute. 

XXXX {$95.00} XXXX XXXX XXXX XXXX XXXXXXXX clerk refused to check me in minutes after payment on XXXX 
Police called, refund never received, no violation of t.o.s. on my side.. must honor XXXX liability policy.. 

XXXX. From XXXX XXXX  never received items. 

{$10.00} and {$13.00} XX/XX/2024 XXXX XXXX, data plan purchased and not applied. 
Several others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
RESURGENT KEEPS CALLING MY HUSBANDS CELL ( XXXX XXXX XXXX AND MY CELL XXXX XXXX XXXX XXXX COLECDTIVELY, 21 TIMES AND WE HAVE DOCUMENTED FOR LAWYER TO FILE CLASS ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : 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 CAPITAL ONE AUTO FINANCE 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 do not contact these companies for the following dates that have been listed with capital one which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports 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 I do not contact these companies for the following dates that have been listed with XXXX XXXX which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

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