vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XX/XX/2024 LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally lodge a complaint against LVNV Funding LLC for apparent violations of consumer protection laws, specifically referencing 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( a ).

I dispute owing any and all debts to LVNV Funding LLC and hereby revoke all rights of communication through email, text messages, and phone calls. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV Funding LLC cease all communication attempts immediately. Any further attempts to contact me through these means will be considered a violation of my rights under the FDCPA.

Furthermore, I am formally requesting debt validation as per my rights under the FDCPA. Please provide documentation verifying the existence and validity of the alleged debt, including but not limited to : XXXX. Original creditor information, XXXX. Purchase agreement between LVNV Funding LLC and the original creditor, XXXX. Proof of licensing and bonding as required by law. 

Failure to provide this information within the legally mandated timeframe will be considered a violation of my rights under the FDCPA. 

I expect prompt action on your part to address these concerns and adhere to the laws governing debt collection practices. Please confirm in writing that you have received this complaint and have ceased all communication attempts immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
I am a victim of identity theft and fraud, I have submitted police reports also saying proof of the loan fraudulently being obtained in my name and also that the repossession should be removed. I have been denied removal of account from my credit reports and refused any response as to why this decision was made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been going back and forth with experian for about three weeks about obtaining my credit report. I havent gotten any results and all I want to do is obtain a credit report to review it. I had a log in previously and now Im being told I dont have an account with experian at all. Experian is asking for proof of documents which Ive sent in and havent gotten a response. My account was deleted and I dont know why but I have attached the requested documents experian is requesting below.

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 2024-03-24 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:
My ex-husband used my name to co-sign the apartment lease and stopped paying. The account became delinquent. He finally paid the leasing company the discounted amount they offered before sending the account to collections. 

They verified via email that the account was paid off before it was sent to collections, but refused to mark it as such. It appears as a collection on my credit report. 

I believe this account should be removed from my report completely as I never lived in the apartment and never knowingly agreed or have been notified about the past due amount before it reached {$9000.00}. 
If the account is to stay on my report it should not show as a collection, as it was never sent to collection agency and was paid 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 non-monetary relief
Consumer complaint received 2024-03-24 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have read your company review on CFPB ( XXXX ) and want to request further information regarding the regulation of American credit report companies. Your employee mentioned the checking and saving accounts information, then, started to refer the creditors. Since I asked on this CFPB on the regular saving and checking accounts, they do not refer the debt, which need the creditors at all. Since the Arizona based credit report company mentioned about my bank checking and saving accounts, which do not relate with the creditors, I asked your company to do same thing with this Arizona based company to show me the information on the regular banking information, which this company did. If your company indicates, it is only possible to Arizona based credit report company, I seriously prefer only Arizona based company will have the right to check and investigate my personal information, if New Jersey based credit report company can not do it, even though it situates in the metropolitan area. Anyway, this Arizona based company website says it is a nationwide company ; therefore, what your employee has mentioned does not match with this Arizona based company. If two nationwide companies have different regulations, I request both companies will give me the information on the regulations to find out how these companies treat the personal sensitive information. Anyway, from my viewpoint, once the companies consider themselves nationwide, they should have some regulations under the Federal or other national government organizations. I prefer you will indicate this information, since the individual has the right to know these regulations due to the safety of personal information and identity. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet became my loan servicer after the XXXX moratorium. When the moratorium ended, they sent me a reminder last summer and offered loan repayment options. I applied for income-driven repayment in the summer but because they could not process it timely they placed a forebearance on my account. Later they told me repayment would commence in XX/XX/XXXX and then changed in to XX/XX/XXXX. I sent in the first payment of about {$250.00} which they said would be my monthly repayment. Towards the third week of XXXX, I received email from Nelnet and then XXXX  that my account was overdue. I went to the account and saw that it was credited with the amount I sent. I called Nelnet on XXXX XXXX and spoke with someone after being kept waiting for more than one hour. When I asked what was my monthly repayment amount, she said it was {$1000.00}. I told her I was told it was {$250.00}. She looked into the account and agreed with me. When I asked why my account was still showing overdue payment when they had received my payment, she looked into the account and said the amount was not correctly applied and it would take two months for that to be fixed. She said the only option for me to stop receiving the overdue notices was to ask for a forebearance until the error on my account was fixed. I asked for the forebearance which she said was processed. Becuase I did not receive any communication confirming the forebearance, I decided to send in the payment for XXXX. My account it still showing payment is overdue. My wife is also experiencing the same problem with Nelnet. They have changed the amount she is owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/year>, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX of XXXX, I took out a title loan from XXXX XXXX for about {$5600.00}. From XX/XX/XXXX- XX/XX/XXXX I made about {$2400.00} in payments towards the loan. In XXXX, I experienced I financial hardship and could no longer afford to make payments. Thus, the car was repossessed and sold for about {$2000.00} according to my credit report. All things considered, the balanced owed on my credit report is {$6800.00}. This is more than the original loan amount of {$5600.00} and it seems the sale of the car and the payments made toward the loan are not being properly accounted for. Furthermore, I had personal items in my car worth at least {$1000.00} in my car during the repo. I was never allowed nor notified on how to retrieve my personal belongings. Thus, I believe the value of my personal property should also be accounted for.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official Experian credit report and they verified as late going from current to 60 days late within a 30 day window in the account XXXX and current to 90 days late on DEPT OF ED/XXXX  I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX # XXXX {$2200.00} XXXX # XXXX {$540.00} XXXX XXXXXXXX {$1300.00} DEPT OF ED/XXXX  # XXXX {$2000.00} DEPT OF ED/XXXX # XXXX {$1800.00} DEPT OF ED/XXXX  # XXXX {$4600.00} DEPT OF ED/XXXX  # XXXX {$3400.00} DEPT OF ED/XXXX  # XXXX {$9600.00} DEPT OF ED/XXXX # XXXX {$6800.00} DEPT OF ED/XXXX  # XXXX {$3700.00} DEPT OF ED/XXXX  # XXXX {$3500.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER 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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Higher interest rates than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. 
FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts!

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 2024-03-24 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:
My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. 
FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts!

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 2024-03-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been with Comenity Bank/Child place since XXXX and I've never had a payment reported late during my time with them. This account has been set to auto from my checking account since the inception of the account. On XX/XX/XXXX, the monthly payment for my card was not drafted from the account the bank accounts I have saved on my profile. I'm a busy person, so I went about my life over the next couple of weeks and traveled. But the week of XX/XX/XXXX, I checked my credit score and saw that my score had dropped due to having a late payment. I knew that couldn't be right so I called Comenity Bank and they told me that it looked like that they couldn't verify the bank account that I used to make the payment, but mind you, this is a bank account that I've had saved to my Comenity Bank profile, and is also linked to other cards on my Comenity Bank profile. I, immediately made the payment for XXXX, and XXXX payment on XX/XX/XXXX. The representative who assisted me told me that this was unfortunate also, highlighting the fact that I've never been late in almost 6 years. Also, I did receive the notification that the payment had successfully gone through. I didn't know that it had not gone through until I checked my credit report, and it was shown as late. I don't have any late payments at all on my credit report, and this is very disheartening and has affected my credit score in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a number of calls from people saying someone was trying to steal money from my XXXX account. Then someone claiming to be with the Billing Team/Fraud Protection from Chase bank called me and said his name was XXXX ( XXXX XXXX XXXX . XXXX told me that I had to move the money that was currently in my Chase bank accounts into other accounts to keep the money safe. He said that he would give me the new account information when I got to the bank. He stayed on the phone with me all day on XXXX  and XXXX  ( XX/XX/XXXX and XXXX ). He told me that I couldn't tell the bank tellers or anyone exactly what we were doing because this wasn't usually how they handled fraud situations, but it was the most expedient way to keep my money safe. 
On XX/XX/XXXX, I went to the Chase Bank in XXXX. XXXX ( on the phone ) told me to withdraw XXXX dollars from my checking account, which I did. The bank tellers asked me if someone was forcing me to do this, and I told them " no, '' because XXXX had told me not to tell anyone. XXXX was on the phone with me the entire time. He told me not to hang up. The bank tellers did not ask any more questions. 
Then XXXX told me to go to a XXXX XXXX machine and deposit {$1000.00} into an account that he would send me. I went to a XXXX XXXX machine at a XXXX XXXX and deposited the money. He told me that I needed to go to a different Chase bank than the first bank and deposit the rest of the money into an account that he would give me. 
I went to a Chase Bank on XXXX XXXX and deposited the rest money into an account called XXXX XXXX XXXX XXXX. 
XXXX then told me to go to a different Chase bank to make another withdrawal and deposit. I went to Chase bank on XXXX XXXX XXXX and withdrew XXXX dollars from my checking account and then deposited {$6500.00} into the XXXX XXXX XXXX XXXX Again, the tellers asked me if anyone was forcing me to do this, and I said no. XXXX was on the phone this whole time. They did not ask any other questions. In total, I withdrew XXXX dollars on XX/XX/XXXX. 
On the next day, XX/XX/XXXX, XXXX called me again and told me to withdraw the rest of the money in my accounts in cash, which I did. The total withdrawal amount was {$20000.00}. I withdrew this from the Chase on XXXX XXXX. The bank teller did not ask me any questions about this. XXXX was on the phone with me during this transaction as well. 
XXXX sent a " courier '' to my house who collected {$20000.00} dollars, which I was told would be placed into my new secure accounts. I recognize now that this was a scam. I wish there had been more checks in place when I was withdrawing large sums of money from Chase in a short time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: KY

Complaint narrative:
Experian, Account Name : Child Support Nebraska Account Number : XXXX Date : XX/XX/2024 Delete immediately in current litigation for Fraud. I rescind and revoke any and all authorization signatures previously given to Child Support Nebraska to share, transfer, assign and sell my private and personal identifying information to third party and non-afflitiates including CRAs. Fraud was committed on this account please remove immediately, due to pending litigation. 
Failure to comply with this demand may result in legal proceedings being initiated against Experian and Child Support Nebraska for fraud and misrepresentation for this account. Internal Regulations and Business as Usual do not qualify as substantive legal defenses. Any attempt to malign account without a demonstrative notice of dishonor or certificate of protest will be treated as commercial slander. Only a written signed affidavit with a notarized signature will be accepted for Thank you, XXXX XXXX XXXX Authorized Representative

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