vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I, XXXX XXXX am writing to formally demand that Lviv Funding LLC immediately cease and desist from engaging in unlawful practices that violate the Gramm-Leach-Bliley Act ( " GLBA '' ), specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, regarding the protection of nonpublic personal information. 
It has come to my attention that Lviv Funding LLC has engaged in the following actions that appear to be in direct violation of these provisions : 1. Unauthorized Disclosure of Personal Financial Information : Lviv Funding LLC has shared or disclosed nonpublic personal information without providing individuals with the required notice or the opportunity to opt-out, as required under 15 U.S.C. 6802. This includes sharing personal data with non-affiliated third parties for purposes other than the transactions for which it was originally provided. 
2. Failure to Implement Proper Safeguards : Lviv Funding LLC has not taken adequate steps to safeguard the confidentiality and security of personal financial information as mandated under 15 U.S.C. 6801. These deficiencies expose consumers to the risk of identity theft and fraud.

This letter serves as a formal demand for the immediate cessation of these unlawful activities and for full compliance with the privacy provisions under the Gramm-Leach-Bliley Act.

Specifically, I demand that you : 1. Cease the sharing of nonpublic personal information with non-affiliated third parties unless explicitly authorized by the individual consumer or required by law.

2. Provide a clear mechanism for opt-out for all consumers whose information has been shared without their consent, as required under 15 U.S.C. 6802.

3. Immediately implement necessary safeguards to protect all nonpublic personal information in your possession, ensuring full compliance with 15 U.S.C. 6801.

4. Provide written confirmation within [ XXXX  days ] that Lviv Funding LLC has ceased all unlawful activities and is fully compliant with the provisions of the GLBA. 
Failure to comply with these demands within [ insert number of days, typically 15 to 30 days ] will result in further legal action, including but not limited to the filing of a formal complaint with the appropriate regulatory agencies, such as the Federal Trade Commission ( FTC ), and pursuing civil litigation for damages and injunctive relief.

Please consider this letter a final warning. If these practices do not cease, I will be left with no choice but to pursue all available legal remedies under federal and state law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO )

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 2025-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have done an ftc report and have shown I am a victim of identity theft I need these accts removed from my profile, they are hurting me and cant see to move on with my life

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 2025-02-12 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-12 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: Byrider Franchising, LLC
State: FL

Complaint narrative:
improper information being reported on my credit report CNAC XXXX account number XXXX states late payments 30 days late on XXXX on XX/XX/XXXX and on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I incurred during the XXXX  a loss of a job also an illness and was told verbally and via email that I could pay a lesser amount of my car note, but never that my payments would be reported late. I had issues financially in the years of the economy increasing and still made my payments on time which is the XXXX of every month. I keep getting reported by credit acceptance that my payments are late when they arent. The full amount isnt paid but that was an agreement that was made by the company and myself. I would like my late payments to be reported as never late.

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 2025-02-12 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: TN

Complaint narrative:
Equifax reporting agency had a data breach in which my information was accessed and the reporting agency can not provide information on the party responsible for the breach. It occured XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I took at HELOC thru XXXX on XX/XX/XXXX and then they sold it to Shell Point Mortgage for servicing. I purchased the flood insurance when taking the HELOC and also paid the flood carrier direct for renewal premiums. On XX/XX/XXXX Shell Point Mortgage force placed flood insurance even though they had a copy of the flood renewal as I had to upload it to a link they provided. They said they didnt receive it so I uploaded it again. Then I receive an Escrow Analysis showing flood premium {$41.00} in Escrow. I never had flood in Escrow and have been trying to get them to delete the Escrow and fix my bill statement since XX/XX/XXXX. On XX/XX/XXXX I was told they applied the Escrow credit refund {$240.00}.. I have made several calls to customer service and each time I get switched to other departments with nothing being resolved. 
On XX/XX/XXXX I spoke with the insurance department and was told the flood was not in Escrow and they did a conference call with customer service trying to get my billing corrected. 
On XX/XX/XXXX I told Shell Point I was making the monthly payment EXCLUDING flood portion and I kept getting notices that my XXXX payment was not received. They were not accepting the payment because i did not pay the flood. I called them again and told them flood is paid direct to the flood carrier. The notice I received from Shell Pointe on XX/XX/XXXX stated they were charging {$10.00} late fee and threatened reporting it to the credit agencies. 
They were trying to collect {$1000.00}. 
I called them again on XX/XX/XXXX spoke with XXXX XXXX who told me to pay the flood balance premium {$42.00} then the account could get fixed so I paid it that day XX/XX/XXXX. Then he transfered me to XXXX who said they are trying to fix the account. Then I was transfered to XXXX in the Escrow department who said they needed to do another Escrow Analysis. XXXX in the insurance department switch me back to a XXXX who gave me an email address to email the request to removet he escrow from my account and it would be processed immediately. 
As of today the Escrow is still there, they have not removed the late fee and they are charging a fee of {$97.00}. Whart is this? It just says other fees due. 
Please help me get this fixed, as customer service does not know what they are doing, you can tell when you speak to them, they lack the knowledge to do the job correctly. 
All they do is push you to another person with no results. 
I am asking for the following items to be deleted : Escrow {$42.00}, {$10.00} late fee and {$97.00} other fee. 
Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I am filing a formal complaint against XXXX due to their failure to process and apply a {$1200.00} payment toward my private student loan, despite repeated attempts to resolve this issue over the past two months. XXXX  has provided no proof of where these funds went, has given me conflicting information, and has now transferred my loan to SoFi, further complicating the issue. 

On XX/XX/2025, my employers tuition assistance program ( XXXX ) issued a payment of {$800.00} to XXXX. 
On XX/XX/2025, XXXX confirmed that this payment was cleared and cashed by XXXX 
Additionally, a {$400.00} payment from XXXX was also sent but never applied to my account. 
On XX/XX/2025, my loan was transferred from XXXX to SoFi, and neither XXXX  nor SoFi has accounted for these missing payments. 
XXXX  has failed to provide any proof of where these funds were applied, yet I have now been charged a late payment despite my employer successfully sending the funds. 
I first contacted XXXX on XX/XX/2025, after noticing the missing payment. XXXX initially claimed that the {$800.00} payment was sent to the wrong servicing company ( XXXX ), which was incorrect. Later, they stated the issue would be resolved within 3-5 business days, but no resolution was provided. 

I have provided XXXX  with extensive documentation, including proof of payment from XXXX, the check number, and an actual image of the cleared check, yet they still refuse to confirm where the funds were applied. My loan was transferred to SoFi without any clarification as to whether these payments were included. 

This has caused significant financial harm, as I am now being told I have a late payment on my account despite my employer sending the money on time. The situation has created emotional distress, unnecessary financial strain, and excessive time spent trying to resolve a simple payment posting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: AR

Complaint narrative:
I have contacted All three credit agencies, Transunion, Equifax, and Experian regarding the Federal Credit Reporting Act and Permissible Cause Act. My rights has been violated and I asked that ALL negative content be removed from my credit reports immediately. I was compromised by each of these agencies breach of data and sharing my personal information among third party companies without my consent, verbally, nonverbal nor written.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: AR

Complaint narrative:
I have contacted All three credit agencies, Transunion, Equifax, and Experian regarding the Federal Credit Reporting Act and Permissible Cause Act. My rights has been violated and I asked that ALL negative content be removed from my credit reports immediately. I was compromised by each of these agencies breach of data and sharing my personal information among third party companies without my consent, verbally, nonverbal nor written.

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 2025-02-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX 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 : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. 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 Collectors 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 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX. This account have resulted in several fraudulent Late payment appearing on my consumer FICO credit report. I do not recognize the aforementioned account, late payment as reported. The aforementioned account, Late payment appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, Late payment are the result of identity theft and fraud. I have a ached a copy of FTC Iden ty The Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the late payment is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
{$690.00} was fraudulently charged to my credit card through the merchant XXXX. I contacted the credit card company and XXXX when I got a notification that my card purchased tickets. Apple/goldman Sachss did their apparent investigation and denied my request and charged it back to my account. I requested them to investigate 3 times now and have evidence that there was no possible way I made the purchase. I have my card physically, I provided my card company with the written investigation from the merchant which deemed it fraud, the IP address was in New York when I was physically in Oregon, and NO CVV number was used. I have never purchased anything with this card through that merchant either. Apple/goldman Sachs/mastercard will not remove the charge even though I have provided sufficient evidence that I did not make the purchase, and it is my right to be protected from this.

Company response to consumer: Closed with monetary relief