vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing the CFPB as a public notice to Resurgent Receivables/ Resurgent Capital Services who is listed on my credit report and illegally sharing my personal information. I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) and your cooperation is in clear violation of the FDCPA and my rights as a consumer under the Consumer Protection Act. 

Resurgent has used illegal communication tactics by illegally furnishing my information without permissible purpose and they have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I am requesting that Resurgent provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges if Resurgent wants to receive payment from me. This is not an attempt to avoid paying a debt, rather a validation of said debt to prevent fraud/identity theft that has happened to me in the past. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( XXXX ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. 

If this debt is not handled, properly validated, or removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement, regarding any inaccuracy, deceptive, or unfair debt collection practices that will be handled through arbitration. I am giving Resurgent the opportunity to address this matter before filing a claim with arbitration and alerting other government agencies. I am also attaching my court filed fee schedule and trust documents which will be used in all claims. These fees will accrue if the debt is not validated and the resurgent is not removed from my credit report within 15 days. 

I hope that we can reach a resolution that is equitable and fair for all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been in communications with Equifax about inaccurate personal information on my credit report. Even after notifying them many times about this error, they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Equifax many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 My only name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only date of birth is : XX/XX/year> My only employer is : XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was given a {$50.00} credit for the problem I was having with the money transfer option on the online banking app and they decided to reverse the credit which put my bank account in a negative balance on XX/XX/XXXX,. I had previously filed a complaint against PNC BANK FOR this same issue complaint number XXXX. My last response from CFPB was that PNC BANK claimed the investigation is ongoing and no results have been found yet as of XX/XX/year>. As of XX/XX/year> PNC BANK has decided to close my account without contacting me in any way whatsoever. Every time I called I was told that a XXXX was going to reach out to me by phone. I never received any phone call as of XXXX days ago. My last call made to PNC BANK to try to find out what was happening with my account before I decided to make another deposit because they still never told me what happened with the money transfer problem they kept telling me to call XXXX XXXX my transfer went through on the XXXX XXXX end it was posted and paid, the money just never reached my PNC BANK account because of PNC BANK was having problems with their money. Transfer options on the online banking app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: VA

Complaint narrative:
I was never late on my XXXX XXXX account. Also its closed now. It really took my credit score down. I would like it removed asap

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 2024-07-25 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: IL

Complaint narrative:
This letter serves as my final demand regarding the unresolved discrepancies, unverified, and inaccurate negative items on my credit report. Despite multiple attempts to rectify these issues, your failure to act is both unacceptable and intolerable.

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 2024-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have attempted to rectify this matter with Jeferson more than once. They have not honored my cease and desist. I intend on exercising the arbitration provision against them if they do not comply with my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company has illegally obtained my information. Debt hasnt been verified. Debt collection tactics of multiple phone calls and emails have been used despite my request of cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: PA

Complaint narrative:
I asked this company for the signed contract this company said they don't have to give me one. So, I seek legal counsel and they told me that the Debt collectors can't collect amounts that aren't authorized by the debt agreement or permitted by law and I believe the amount this company if trying to collect is not the amount on the contract that they said I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and Id along with my ssn card was stolen. I call XXXX XXXX and Equifax credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX that I obtained my identity theft police report from. Unfortunately that wasnt possible after speaking to fraud department agent XXXX team name : XXXX  who became very aggressive belligerent with me during my attempt to dispute my fraudulent inquiries. Which she stated I cant dispute this inquiry because you have an account associated with it but that was a compete lie. So I then asked to speak to a supervisor and she transferred me to supervisor agent XXXX I asked him to provide me with his id number or team name and he refused it stating he cant give that information. I then acknowledged to him that his agent XXXX aka XXXX lied and told me I had an account with XXXX XXXX XXXX  and he admitted I didnt have an account from XXXX XXXX XXXX and that he apologized for the mistake. I accepted the apology and proceeded to move on with my disputes but he informed me that he couldnt help me moving forward with my disputes so here I am now having to dispute these inquiries with the cfpb. Please delete unauthorized inquiries as follows for I dont have any accounts associated with them nor did I receive any credit from them : 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Newrez sent me a letter on XXXX saying that my pmi cancellation was approved due to the XXXX that was recently done. The letter stated I would get an updated bill reflecting this change within XXXX weeks. 

I requested to have my escrow cancelled on XXXX and called in to make sure the process was moving for the pmi cancelation. I was told that the letter was attached to my account and the ticket was submitted. 

I called in on XXXX to check on the status of things. Nothing new. 

On XXXX I get a letter from newrez stating that the escrow cancelation is denied. " We are unable to remove escrow from the loan due to having ( PMI ) Private Mortgage Insurance. '' I called in on XXXX to challenege the denial of the escrow and was told that the PMI is still active and hasnt been removed. I requested the PMI be canceled again. The agent informed me the PMI cancelation has been approved but the pmi cancelation has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. 

I called in on XXXX, to get another copy of the PMI cancelation letter and see if the PMI is still active. It is still active. I requested the PMI be canceled again. The agent informed me the PMI cancelation has been approved but the cancelation pmi has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. 

XXXX I get my new statement due XXXX. The statement shows the same due amount for XXXX as it has been for this whole year. Therefore the PMI was not removed. I called in on XXXX to challenege the statement and ask them that the PMI is canceled why hasn't the total due changed. They informed me the PMI cancelation has been approved but the pmi cancelation has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. I requested the escrow be canceled again during this date. 

I called in on XXXX to check on the status of things. The agent informed me the PMI cancelation has been approved but the pmi cancelation has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. 

And they tell me it will be another up to XXXX business days before I will find the results of thier work.

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 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: NATIONAL ASSET MORTGAGE, LLC
State: AR

Complaint narrative:
My home was purchased in XXXX of XXXX through a lending company called National Asset Mortgage XXXX ( XXXX XXXX ). The original loan balance was XXXX. This was my first time buying a home, the interest rate is 9.9 % and number of months ( XXXX ) ; which is considered predatory lending given the factor that in XX/XX/XXXX the home value was {$9900.00}, {$13000.00} in XX/XX/XXXX and XX/XX/XXXX XXXX. Ive paid a total of XXXX into this home, requested a pay off and its still showing a remaining balance of {$29000.00}. Im in XXXX school and this has been a stressful situation on behalf of myself and my family. I was told by an attorney to file a complaint and reach out to the CFPB before taking any legal actions to see if the company can resolve the issue. The loan balance after paying mortgage for XXXX yrs has only decreased by {$2200.00}. I really need you help this is unfair and has caused a lot of anxiety and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent, nor benefit from or authorize any of the following Account : XXXX XXXX XXXX XXXX : Account # : XXXX - Amount : {$1600.00} 15 U.S. Code 1681s2 Says you " XXXX XXXX XXXX XXXX '' are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall 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 inaccurate. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent, nor benefit from or authorize any of the following Account : XXXX XXXX XXXX XXXX : Account # : XXXX - Amount : {$1600.00} 15 U.S. Code 1681s2 Says you " XXXX XXXX XXXX XXXX '' are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall 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 inaccurate.

You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

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 2024-07-25 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: NY

Complaint narrative:
CFPB -This complaint is being sent to you as TransUnion has blocked me from filing a complaint in their system. Please read below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( 7 ). You may reference my TransUnion File Number : XXXX and my Social Security Number : XXXX. 

Under section 15 USC 1681 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

XXXX XXXX XXXX : Account # XXXX : Provide the detailed description of the description and the findings of the investigation used to verify this account. If you are unable to provide what I have requested by law, delete this account from my credit profile immediately. 
















XXXX XXXX XXXX XXXX XXXX Dispute : According XXXX XXXX XXXX XXXX XXXX, Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account XXXX XXXX : Account # XXXX violates these laws : 15 USC 1681i , 15 USC 1681s-2 and 15 USC 1681e ( b ). Delete this 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 non-monetary relief
Consumer complaint received 2024-07-25 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number # XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Please remove it from 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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
XXXX sent me a refund back to my chime bank account, chime had closed my account and they stated a month ago that they were going to send my money to my home address, now a whole month has passed and I still havent received my money so I called chime again to get an update and an agent stated I wasnt eligible to get my money back then the supervisor told me that I had to pay him in order to get my money back this is crazy and illegal.

Company response to consumer: Closed with explanation