vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

-- - XXXX XXXX  XXXX ---

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> we deposited a check for the amount {$48000.00}, which is very normal for a business to operate, The next day Truist issued a letter to notify our business account was being blocked without factual reason. on XXXX Truist notified us that our business account was being closed without any proper reason. so we're expecting the remaining balance to be returned and we only got {$100.00} today, the {$48000.00} is held without a timeframe after I spoke to Triust Reps, it's ridiculous to not tell the client the reason for holding the funds and not in writing to let us know the process. basically, it's sounds like they never gon na giving the money back to us. So we strongly ask the department to check with them and let us know what the real problem is. they acting in bad faith.

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 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: SC

Complaint narrative:
I want to report Selene Finance for unethical business practices. I struggled to pay my mortgage and I reached out to selene to complete a modicification due to slow down in me finding work. I completed all the forms. They kept asking for more information ( ie, we need another paystub ). I gave them the last paystub I had to give because I havent worked since then. they still kept asking for paystubs and held up the loan modification application. I decided to sell the house, which I did to XXXX around XX/XX/XXXX for XXXX. I owed about XXXX on my Selene Finance Mortgage. They were in contact with me and XXXX  reps because they needed to fax them the payoff paperwork beganing around XX/XX/XXXX. This process began XXXX weeks prior to the closing date of the sale. Selene Finance would be paid first, then XXXX, the XXXX XXXX Brokers and then I would get the proceeds left over. Instead of doing the right thing, XXXX filed a foreclosure notice on XX/XX/XXXX, XXXX business days prior to the closing date of XX/XX/XXXX. I was informed of this when I noticed my funds for the closing were not wired on XX/XX/XXXX. It was because the attorney for XXXX saw the foreclosure on the title. That meant they needed a new payoff, since XXXX would pad more fees on what was owed to them. Then I would have to sign new forms confirming the proceeds. Not only did this hold up the closing, now I have a negative mark on my credit, which will not only impact my ability to get a new place to live but possible a new job as well. Selene Finance was XXXX  in their actions. They knew in good faith they were about to get ALL the money owed on that house and be able to close out the mortgage all together. However, they chose to be unethical and put the home in foreclosure XXXX days before they knew I would be closing on the sale of the home. I want a FULL investigation done on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This complaint serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( The consumer ) with my wet signature. Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter. Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. Failure to comply with the legal requirements outlined in this letter will necessitate pursuing all available legal remedies to address this violation of my rights under the FCRA. I trust that your agency will approach this matter with the urgency and seriousness it deserves. I anticipate your immediate attention to this dispute and the initiation of necessary actions to rectify the unauthorized reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I wanted to add a brand new 7 year extended fraud alert to my credit reports because I was the victim of ID theft again. I wanted the old alert soon expiring replaced with a brand new 7 year extended fraud alert for a new 7 year period with my updated phone numbers on the new Extended Fraud alert.

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 2024-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX Trustee/To whom it concerns, I am writing to dispute the following information in my file. 

Account Name : LVNV Funding LLC Account Number : XXXX Reason for Dispute : The following documents nor notice were not provided pertaining to the chosen action of this account : XXXX. Copies of any contracts, agreements, or instruments related to the chosen action. 

XXXX. Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 

XXXX. Information on any legal actions, claims, or disputes associated with the chosen action including court filings, judgments, and settlements. 

XXXX. Correspondents and communications that relate to chosen action. 

XXXX. Any other documents or records that provide insights into the nature, ownership, or status of action choices. 

According to the Consumer Financial Protection Bureau ( CFPB ) the following steps must be taken before reporting to a XXXX XXXX XXXX ( CRA ) : Speak to person by telephone Mail a letter or send electronic communication about the debt Prior to XX/XX/year> when this account was reported on my credit report, no form of initial communication was received nor written notice within the XXXX days of the initial communication in attempts to collect on a debt, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have no wet signature with or signed contract agreement with LVNV Funding LLC for this account, so I do not acknowledge or recognize this account as mine and consider this identity theft. I never sent LVNV Funding LLC any written notice with consent to report this account on my credit report. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, it's an obligation to ensure that any information that is reported to credit agencies is accurate. If you are reporting this alleged debt without proper validation, you are in violation of federal law. I demand that you immediately notify any credit reporting agencies to remove this disputed debt from my credit report. 

Thank you for your time and attention to this matter. Please investigate and correct the disputed items within 14 days. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Call RESURGENT collections today spoke with XXXX XXXX XXXX,, '' DONT KNOW IF THATS HER ACTUAL NAME, ASKED HER TO SEND ME VERIFICATION OF DEBT, PAYMENT HISTORY, FIRST DATE OF DELINQUENCY, DATE OF OPENED, AND KINDLY ASKED HER AND GAVE HER MY EMAIL ADDRESS, AND SHE REFUSE MY VERIFICATION OF DEBT, TOLD HER TO SEND THE ADDRESS SHE HAS ON FILE SHE COULDNT VERIFY INFORMATION SHE CLAIMS I OWE, NEVER DID BUSINESS WITH THIS COMPANY DONT RECONIZE DEBT SHE COULDNT AND WOULDN'T PROVIDE THAT INFORMATION AND SHE REFUSED AND WAS VERY UNPROFESSIONAL ATTITUDE ON PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NC

Complaint narrative:
Despite having paid my student loans in full, Equifax continues to report an outstanding balance on my credit report. This incorrect information has not only misrepresented my financial status but has also caused undue stress and potential harm to my creditworthiness. My primary goal is to ensure that the credit report accurately reflects the full payment of my student loans, while also maintaining the integrity of the payment history. This approach will prevent any negative impact on my credit score during the correction process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-20 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: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX SERVICES -XXXX XXXXXXXX SERVICES, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
In accordance with the FCRA : 15 USC 1681. 602a- states I have the right to privacy 15 USC 1681. 604a Sec.2-states a consumer reporting agency can not furnish an account without my Written Permission.

15 USC 1666B- states a creditor may not treat a payment on a credit card account under an open credit plan. 
XXXX XXXX XXXX. No. XXXX - $ XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX $ XXXX Bank I have XXXX both of these entities and requested the original contracts from XXXX bank and XXXX XXXX my XXXX as well as the contract I signed with XXXX XXXX and XXXX XXXX XXXX XXXX I also requested to be provided with the bill of sale as I seen these accounts were charge off meaning they paid to purchase which means the original amount owed has changed but not reflected on my report. Which should read Account SETTELED FOR LESS on my report if these items are accurate. XXXX XXXX  gave me a website to go to but when tried to access my account I couldnt get to any of my information due to a statement reading its in litigation. So I have no way to verify these accounts. I have tried contacting them and resolving this but to no avail. As required by the FCRA all the information contained in my report must be 100 % accurate. As I stated it is impossible for my report to be 100 % correct without these requested items of proof.

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 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Trying to get a loan satisfaction letter for my XXXX. 

XX/XX/year> - I explained that I never received the document, said he would send. 
XX/XX/year> - Received document for a vehicle I dont own. 
XX/XX/year> - I explained they sent document for a vehicle I dont even own. I requested the correct doc be overnighted. He got approval to overnight it and assured I would receive it in the next few days. I never received it. 
XX/XX/year> - I once again explained situation + that never received it from last call. She got approval to express mail it and once again, I did not receive it. 

Prior to XX/XX/year> - I called originally to have it mailed and faxed to a XXXX XXXX 
The XXXX XXXX never received the fax. 
I called XXXX more times to resend fax. 
Never sent the fax. or the paper mail version.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
Rausch Sturm LLP Its from XXXX XXXX XXXX. Sued me without even offering me anything. I spoke to him once filing disputes and fraud paper work was being sent to them. But no response to my disputes.

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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase randomly closed my account after $ XXXX dollars were stolen from it. They refused to properly used any cameras to investigate the ATM activities, and didnt give me any reason or explanation as to why my account has been closed. They only spent two days investigating my claims before denying all of them.

Company response to consumer: Closed with explanation